How subjective is bank or private lending???

[Adam Garza]

Hey friends,

I've only done one deal with personal income, but I wanted to ask you seasoned guys how subjective is private or banks lending money?? I know most of the time they look at the security rather than the individual, but if you built rapport with loan officers or liquid individual (for lack of a better term) can you attain cash quickly this way?

Also, what are the "going rates" or terms for most private lenders? To put things into perspective, I have a 635 credit score (because of some unpaid student loans in the past), am in the process of re-building my credit score, but want to leverage outside capital sooner rather than later..

I'd appreciate any help!

Thanks,
Adam