Equity-based financing for real estate investors — no minimum credit score, no DSCR requirement, no citizenship required. Up to 55% LTV.
Most investment property loans start with the same three questions: What's your credit score? Does the property cash flow? Are you a U.S. citizen? For a lot of capable investors, at least one of those questions ends the conversation.
No Credit Score Loans take a different approach. Instead of underwriting your paperwork, they underwrite your equity. Because the loan never exceeds 55% of the property's value, the equity itself secures the deal — which is what allows the program to remove the requirements that stop most borrowers at the application stage.
See the honest cost comparison before you shop hard money or an MCA.
If the equity is there, the paperwork that stops most applications doesn't apply.
A past foreclosure, a rough stretch during a market downturn, a credit profile that doesn't tell the whole story — traditional lenders draw a hard line at their minimum score, no matter how strong the deal is. No Credit Score Loans have no minimum credit score. If the equity is there, the credit conversation doesn't disqualify you.
Most U.S. lenders require citizenship, permanent residency, or extensive U.S. credit history. No Credit Score Loans require none of those. Foreign nationals can purchase or refinance U.S. investment property with the same equity-based qualification as domestic borrowers — no U.S. credit file needed.
DSCR loans qualify a property on its rental income — which is a problem when the property is vacant, under renovation, between tenants, or transitioning to a new use. Because No Credit Score Loans have no DSCR requirement, the property's current income is irrelevant. A vacant mixed-use building qualifies the same way a fully leased one does.
Bought a property below market with cash or hard money and want your capital back out? Most programs impose a seasoning period before you can refinance at the property's real value. No Credit Score Loans have no seasoning requirement — you can refinance right after closing, a natural fit for BRRRR investors recycling capital between deals.
Straightforward, equity-driven qualification.
With streamlined underwriting and no income documentation to verify, No Credit Score Loans move quickly — the primary items are the property valuation and title work, not weeks of document collection.
If you have equity in an investment property — or a purchase under contract at a strong basis — No Credit Score Loans may be the simplest financing path available to you. It takes 60 seconds to find out.