Starting Out
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Tax, SDIRAs & Cost Segregation
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
1031 Exchanges
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated 5 months ago on . Most recent reply
![Bryce Williams's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3020809/1715902161-avatar-brycew69.jpg?twic=v1/output=image/crop=3024x3024@0x503/cover=128x128&v=2)
Starting with zero credit
Any advice for someone looking to get into real estate with zero credit? Have a good amount saved up for down payment and own 3 acres of raw land (valued approximately 240k) but would like to keep this in portfolio. Have begun talking to lenders but am having trouble getting good quotes on interest rates. Was advised to build credit for 6-12 months from lender but am wondering if there are any other options out there! Any advice or suggestions would be greatly appreciated. TIA!!
Most Popular Reply
![Caleb Brown's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1160946/1725379125-avatar-calebb57.jpg?twic=v1/output=image/crop=852x852@102x0/cover=128x128&v=2)
There are bank statement loans, non traditional financing. Not sure how hard those will be to find but they are out there. Many people like you.
- Caleb Brown