Take our free assessment to find out where you stand for DSCR loans, fix-and-flip financing, and portfolio loans in California.
The score is a practical summary of the four things an investment lender looks at before it prices a loan. It is built from your answers, not from a credit report, and it is meant to show where a file is strong and where it needs work before you apply.
Lenders want to see months of principal, interest, taxes, insurance and association dues held after closing. Verified savings, retirement accounts and a seasoned business account all count. Cash that appeared last week usually does not.
Investment programs commonly start in the mid-600s and price better above 700. Revolving balances, recent late payments and undisclosed mortgages on other properties carry more weight than a single score.
Rental loans are underwritten on the rent the property supports against the full payment. Fix and flip loans are underwritten on purchase price, rehab budget and after repair value. Both reward a conservative, documented number over an optimistic one.
Completed projects, owned properties and a clean entity with its own bank account make a file easier to approve. First-time investors can qualify; they usually need stronger reserves or a lower leverage position to do it.
It is not a pre-approval, a credit decision or a commitment to lend. No credit is pulled and no application is submitted. A lender makes its own decision after reviewing documents, the property and its own guidelines. Use the result to prepare, then compare programs with a licensed professional.
Our Investment Readiness Score helps you understand your loan options before you apply. No credit check required, and your information is kept private.