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6 contributions to The Real Estate Academy
An investor called me and said, โ€œI want a DSCR loan that will use my *business* credit, not my personal FICO.โ€
Hereโ€™s where I had to correct them. โ€‹ Every week I talk to investors who want to grow their portfolio using โ€œinvestorโ€‘friendlyโ€ loans like DSCR or hard money. โ€‹ The issue is they rarely think through what *qualifying* actually looks like. โ€‹ Most assume โ€œinvestorโ€‘friendlyโ€ means it works like a private money lender: โ€‹ No credit check, no background check, purely relationshipโ€‘based. โ€‹ Thatโ€™s not what it means. โ€‹ โ€œInvestorโ€‘friendlyโ€ is closer to: โ€‹ โ€œWeโ€™ll give you a loan if the *deal* and *strategy* make sense and the numbers work.โ€ โ€‹ So lenders are looking at: - The value of the home โ€‹ - Expected rent vs total payment โ€‹ - The *borrower* and their track record โ€‹ โ€‹ In other words, in an โ€œassetโ€‘basedโ€ loan, the borrower still matters. A lot. โ€‹ Iโ€™ve had several cases where a borrower had solid investing experience but a subโ€‘660 credit score and **still** got a DSCR loan. โ€‹ How? โ€‹ They brought trusted partners into the deal and split ownership. โ€‹ Those partners had stronger credit and became the guarantors on the loan. โ€‹ Is it more ideal to be the sole owner? Of course. โ€‹ But if the choice is a slice of the deal or no deal at all, most serious investors take the slice. โ€‹ If you havenโ€™t really considered how your credit score affects DSCR or hard money options, itโ€™s worth thinking about before youโ€™re midโ€‘deal and stuck. โ€‹ โ“Have you been limited on funding options because of your credit score, debt to income, or anything else? Share it in the comments and let's see how we would combat those issues today.
An investor called me and said, โ€œI want a DSCR loan that will use my *business* credit, not my personal FICO.โ€
1 like โ€ข Mar 16
@Jada Thoele Thank you for sharing! This info is so important! Iโ€™ll save this for use with my clients who seem to think they can get lending with a poor credit history. ๐Ÿ”ฅ
Deals that pay YOU to close! ๐Ÿ‘€
Looking to help with another type of creative acquisition! This carousel of information was made to spark questions and doubts on whether a transaction like this exists. If thereโ€™s anything you have questions about how this acquisition structure can work for you, lemme know! I'm structuring, funding, and closing these deals now!
Deals that pay YOU to close! ๐Ÿ‘€
2 likes โ€ข Feb 5
@Jamey Marcos Exactly this! Questions: Whatโ€™s the percentage of owner equity required to make it work? How does the deal work if the owner wants cash some at closing? ๐ŸŽ‰ Thanks for all you do! ๐Ÿ”ฅ
1 like โ€ข Feb 5
@Jamey Marcos Thanks! I get it! So the only way to get more cash out is for the buyer to offer a higher purchase price and count on the appraisal to work,
Real Estate Agents โ€” Is Your Website Costing You Leads?*
If your website looks good but doesnโ€™t bring in *quality leads* or *buyer inquiries*, you might be losing deals every day. I help *real estate professionals* turn *underperforming websites* into *high-converting lead machines* through: โœ… Strategic *website redesign* โœ… SEO optimization for *local visibility* โœ… Conversion-focused *landing pages* โœ… Fast, mobile-friendly design Whether your site is outdated, slow, or just not generating sales, Iโ€™ll help you attract and convert the right leads with a clean, professional online presence. *DM โ€œLEADSโ€ for a free homepage review* โ€” letโ€™s turn your site into a 24/7 sales totool.kindly comment let talk or message me personal now, I would like to tailor some suggestion on improvement
1 like โ€ข Oct '25
@Samson Akins @Vincent Web Agency @Jackson Crmautomationexpert you are all website designers! Show us here what you are doing!
Hard work pays off
Just closed my third deal๐Ÿฅณ
Hard work pays off
0 likes โ€ข Jul '25
@Jayra Rivera Congratulations! You are on your way!๐Ÿš€
In Person Meet up in Jacksonville FL next week July 17th 2025!
If you are close to or live in Jacksonville FL come meet up with us next week for some networking! Come hang out with your real estate fam! โค๏ธโ€๐Ÿ”ฅ
In Person Meet up in Jacksonville FL next week July 17th 2025!
3 likes โ€ข Jul '25
@April Juliano Wish I lived closer! Have a great time!
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Kathleen Miller
2
11points to level up
@kathy-miller-4187
Transactional Funding Partner; Private Money Broker

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Joined Jun 26, 2025
Iowa / United States
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