An investor called me and said, “I want a DSCR loan that will use my *business* credit, not my personal FICO.”

Here’s where I had to correct them.

Every week I talk to investors who want to grow their portfolio using “investor‑friendly” loans like DSCR or hard money.

The issue is they rarely think through what *qualifying* actually looks like.

Most assume “investor‑friendly” means it works like a private money lender:

No credit check, no background check, purely relationship‑based.

That’s not what it means.

“Investor‑friendly” is closer to:

“We’ll give you a loan if the *deal* and *strategy* make sense and the numbers work.”

So lenders are looking at:

- The value of the home

- Expected rent vs total payment

- The *borrower* and their track record

In other words, in an “asset‑based” loan, the borrower still matters. A lot.

I’ve had several cases where a borrower had solid investing experience but a sub‑660 credit score and **still** got a DSCR loan.

How?

They brought trusted partners into the deal and split ownership.

Those partners had stronger credit and became the guarantors on the loan.

Is it more ideal to be the sole owner? Of course.

But if the choice is a slice of the deal or no deal at all, most serious investors take the slice.

If you haven’t really considered how your credit score affects DSCR or hard money options, it’s worth thinking about before you’re mid‑deal and stuck.

❓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.

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