New Investor: How do you maintain a good credit score if

[Britt Smith]

I'm embarking on my BRRRR journey but keep getting stuck with the same question. How do I refinance the houses I plan to acquire without constantly taking a hit to credit due to multiple credit pulls?

[Brandon Plombon]

Most people get caught up over having people pull their personal credit. They worry about having perfect 850 score constantly instead of 770 which is good enough to get the approval for the loan. As long as the properties are cashflowing and you are making your monthly payments, there isn't a lot to worry about. Most banks give people with credit scores in the 740-760+ their best rates. The extra 90 points mean very little in any credit making decision. I'm going to treat a borrower with 850 and 770 the exact same; both of which are great credit scores.