● Asset-Based Lending · FICO 500+

Real Estate Loans for FICO 500 Borrowers

Your credit score doesn't define your deal. We underwrite based on property value and your exit strategy — not your financial past. Credit challenges accepted on a case-by-case basis.

Loan At a Glance
Minimum FICO Score
Credit challenges considered
500+
Loan-to-Value
Based on property value or ARV
Up to 75%
Loan Types
Multiple structures available
Fix & Flip · Bridge · Rental
Underwriting Basis
Property & exit strategy first
Asset-Based

How Asset-Based Lending Works

Traditional lenders put your credit score first. We put the property first — because a strong deal is a strong deal, regardless of your financial past.

STEP 01
🏠

Property Value Leads

We evaluate current value and After-Repair Value (ARV). A well-priced asset with solid upside creates the foundation of your approval.

STEP 02
🎯

Exit Strategy Matters Most

How do you plan to repay? Flip, refinance, or rent — a clear, credible exit strategy carries more weight than a credit score ever could.

STEP 03
📋

Flexible Underwriting Review

We review your file case-by-case. Experience is a plus but not always required. We look at the full picture, not just one number.

STEP 04

Close Fast & Execute

Hard money loans are built for speed. Close in days, not months — so you never miss a time-sensitive investment opportunity.

Who This Loan Is Designed For

If a conventional bank turned you down, that's not the end of the road. Our program is built for borrowers in these situations.

📉

Investors with Low Credit

Your credit took a hit, but you know how to execute a deal. Your track record and the property speak for themselves.

🔨

Fix & Flip Operators

Investors buying distressed properties to renovate and resell. A strong ARV and realistic rehab budget is what we want to see.

🌱

First-Time Investors

New to real estate but have a solid deal? We evaluate each scenario individually — experience helps, but isn't always required.

🔄

Borrowers Recovering Financially

Medical debt, divorce, bankruptcy, or job loss — life happens. If you're rebuilding with a strong deal, we want to hear your story.

🏘️

Landlords & Rental Investors

Build your rental portfolio using the property's income potential — not your personal income — to support the loan via DSCR.

⏱️

Time-Sensitive Deal Seekers

Traditional bank timelines kill deals. If you need to close fast on a competitive property, hard money is the right tool.

Loan Programs Available

Multiple financing structures designed for real estate investors at every stage — from quick flips to long-term holds.

Short-Term

Fix & Flip Loans

Finance acquisition and renovation of distressed properties. Designed for investors who buy, improve, and sell for profit.

Up to 90% of purchase price
Rehab funds held in escrow
6–18 month terms
Based on ARV, not current value
Long-Term Hold

Rental / DSCR Loans

Build your rental portfolio using the property's income to qualify — not your personal W-2. Ideal for buy-and-hold strategies.

Qualified on rental income (DSCR)
Single-family & small multifamily
30-year terms available
No personal income verification required

What We Look For

No smoke and mirrors. Here's exactly what our underwriting process evaluates — so you can come prepared.

Strong Property Fundamentals

Location, condition, market comparables, and realistic ARV. The deal has to stand on its own.

Down Payment / Equity Position

Typically 20–35% down depending on loan type, property condition, and borrower profile.

Clear & Credible Exit Strategy

Sell, refinance, or rent? We need a realistic repayment plan. Specific exits accelerate approvals.

Reserves or Proof of Liquidity

Liquid reserves to cover carrying costs or unexpected rehab expenses may be required depending on scenario.

Minimum 500 FICO Score

Credit is reviewed but not the primary factor. Scores from 500+ are considered. Derogatory marks evaluated in context.

Our Lending Philosophy

  • Flexible underwriting — we look at the full picture
  • Credit challenges accepted, case-by-case basis
  • Asset value and deal quality drive approval decisions
  • Transparent process — no hidden criteria or surprises
  • Experience is a plus, not a hard requirement
  • We work with borrowers recovering from financial setbacks
We do not guarantee approval and do not offer "no-check" loans. All applications are reviewed based on property merit, borrower profile, and deal data. Not all applicants will qualify.

Frequently Asked Questions

Yes. We work with borrowers starting at 500 FICO. Because our loans are asset-based, the property's value and your exit strategy carry far more weight than your credit score. Every application is reviewed on a case-by-case basis with flexible underwriting criteria.
We do review credit as part of our application, but it is not the deciding factor. We perform a soft inquiry during pre-qualification. A low score does not automatically disqualify you — context and deal strength matter most.
Three things: (1) The property — value, location, and condition. (2) Your exit strategy — how will you repay? (3) Your equity position — how much skin do you have in the game? A strong deal with a clear plan can overcome a challenging credit history.
Bridge and fix-and-flip loans can close in as few as 5–14 business days once all documentation is submitted and the appraisal is complete. Speed depends on how quickly you provide required items and how clean the title is.
Not always. Experience is a positive factor that may improve your terms, but it is not a hard requirement for all loan types. First-time investors with a strong deal, solid down payment, and a realistic exit strategy are considered case-by-case.
We primarily lend on non-owner-occupied residential investment properties including single-family homes, 2–4 unit properties, and small multifamily. Owner-occupied primary residences are not eligible for our programs.
Yes. Our loans are hard money or private money loans secured by real property. They are short to medium-term, designed for investment purposes. Rates are higher than conventional mortgages, but the flexibility, speed, and credit accessibility make them the right tool for many investors.
A past bankruptcy does not automatically disqualify you. We review discharged bankruptcies case-by-case. Factors include time elapsed since discharge, current financial stability, and the strength of the property deal.

Get Pre-Qualified —
No Commitment Required

Take 2 minutes to submit your deal details. Our team reviews every submission personally and responds within 24 business hours. No automated rejections based on credit alone.

FICO 500+ Accepted
Flexible Underwriting
Asset-Based Review
Fast Response

Get Approved Today

Submit your deal — no obligation, no hard pull to start.

By submitting, you consent to be contacted regarding your inquiry. We do not sell your information. Not a guarantee of approval.

We Received Your Deal!

A team member will review your submission and reach out within 24 business hours. Keep an eye on your inbox.