Lenders supporting FICO in low 500’s @ 10% down

[Ryan Pearsn]

Need help finding/lead on a lender that allows FICO in low 500's (510 now). I have heard based on overlays, these lenders exist (maybe even FHA vs. hard money). Specific property located in Minnesota, under contract this week.

Other detail:

- $350k purchase price and have 10% down
- Personal income of $100k+

- DTI is 29%

- if manually underwritten: easy story to tell: was impacted by tech layoffs, credit score sunk, reemployed now in same role/industry.

Thanks in advance for any leads!