💼 Can Your Real Estate Investor Buyers Really Qualify for a Loan—Or Just Think They Can?

🤔 “I’ve Got Cash, I Don’t Need Credit...”

That’s what your investor lead tells you right before submitting a deal to a lender—only to be denied for funding they thought they were guaranteed.

Whether it’s for fix-and-flip, BRRRR, short-term rental, or new construction, many real estate investors walk around with confidence...
but no actual pre-approval.

So the question is:
Are they financially ready to close—or just assuming they are?

---

🧱 Real Estate Investors Still Need These 3 Things to Qualify

Even with experience, most lenders still require:

1. A Minimum Personal Credit Score (Typically 620–680+)

   • Hard/private money lenders may still pull credit

   • Bank statement loans and DSCR programs have minimum thresholds

   • A 580 score can get your deal rejected—even with capital in the bank

2. Seasoned Business Credit or LLC History

   • Many investors use new LLCs with no business credit history

   • Lenders want to see actual tradelines or Personal Guarantee (PG)

   • No PG? No deal—unless they have great business credit (which most don’t)

3. Proof of Income or Strong Asset Use

   • Even stated income or DSCR loans have coverage ratio requirements

   • Low scores or recent bankruptcies make approval harder, even with assets

---

⚠️ The Real Problem: Misaligned Expectations

Your investor may think:

“I have 20% down. My score’s around 600. I’m good.”

But lenders think:

“This client has risk. They need credit cleanup, lower utilization, or tradelines.”

This is where deals die—and commissions disappear.

---

🛠️ What Can You Do About It as a Realtor or Wholesaler?

You don’t have to be a loan officer.
But you can be a credit-aware deal maker and give your investor leads a reality check + real solutions.

---

✅ Here’s How to Help Investors Actually Qualify:

1. Credit Check Before the Offer

Use a simple investor intake form that includes:

• Personal FICO score (estimated or verified)

• Business credit status

• Current funding source (bank, private, or HML)

If they score below 620 or have high utilization—refer them to credit support.

---

2. Refer to REI Invest Capital – Credit & Business Prep

We help investors:

• Clean up personal credit (Fast Track or Credit Sweep)

• Add tradelines to strengthen LLC credit

• Access PG-free business funding using EIN

Your investors can go from denied to approved in 30–60 days—and you get paid even if they don’t buy immediately.

---

📈 Real Example:

Investor: Tyrone, BRRRR strategy

• FICO: 598

• Denied for DSCR 80% LTV loan

• Realtor referred him to REI Invest Capital for a credit sweep + 2 tradelines

• FICO increased to 678

• Approved within 3 weeks

• Realtor closed a $410K duplex = $10,250 commission earned

• Referral bonus: $100

---

📣 Stop Guessing—Start Closing.

✅ Help your investor leads fix their credit
✅ Keep them in your pipeline
✅ Earn referral commissions
✅ Get more deals to the finish line

🔗 Partner here: www.LoanCreditRepair.com/real-estate-brokers.html