How to borrow with good capital but bad credit?

[Josh Kercher]

Hello BP!

Wanted to throw together a quick conversation on how to borrow $ to invest in Multi-Family properties when you have a decent amount of capital but your credit is on the other side of the ship (under 640)?

I'm a Realtor and I find myself coming across several deals that fit my own personal criteria for investing as well as our BP "rules of thumb". I've been looking at a lot of 4+ units and a few duplex and triplex.

So in my situation I'm trying to find out what the best way to borrow is when you have good capital (around $100k in reserves) but a low credit score (630)? I'd prefer to leverage myself instead of sinking all my reserves into one or two properties and I would especially like to get more doors in my portfolio and get into a complex of 4+

My fiance has a 740+ but no documented income since she is a nanny (bless her heart)...

I'm frustrated. :cry: