What is best method of getting pre-qualified w/ Multiple Lenders?

[Riley C.]

Hi BiggerPockets Community,

When I initially discovered BP, I had set out a goal for myself to purchase my first [income] property by end of 2017. I am currently in the process of seeking out options for financing the property of my liking but my credit score right now isn't the best. However, I have a comfortable allocation of secured funds for investing and there other reasons I believe I'd qualify for other loan options.

My question is, how do I see about getting additional pre-qualifications on identified properties/home values without lenders pulling my credit? Since I have 'a report' that contains the three reported credit scores (the document is from a lender who pulled my credit and not the credit bureaus themselves) from an initial pre-qualification screening, I'm assuming that I can just use these when approaching other lenders for their own reference in getting pre-qualified?

Lastly, I am a first-time home buyer in CA and I'm looking to purchase a triplex or quadraplex with a minimum down payment. I understand what the standard down payment percentages are for jumbo loans for a given credit score, but does anyone have any insight or advice on who or what I should consider next? I've thought of inquiring with online lenders such as SoFi, Lending Home, etc. Maybe a credit union is the worth considering...

Much Thanks,

Riley C.

[Account Closed]

@Riley C. Your best bet is to talk to a mortgage broker instead of a bank. Try @Chris Mason