.), plays a big role.Generally, there are three main refinance options for BRRRR method investors: Conventional loansBank/credit union loansDSCR loansConventional loans are generally defined as loans originated under GSE (Fannie Mae/Freddie Mac) rules and guidelines and securitized.

Even one 4-star review can significantly impact your score when you're just starting out.Keep in mind...pricing & photos are the two most important things to guests as they book - make sure you have them right from the start.

The interest rates on these loans from the programs are usually at a much higher rate as they do not qualify people based upon a credit score.  

If you stay at 60% or below of your homes, you can get into the 5s pretty easily with a point or two, even with credit scores as low as 680. 

As long as you mom can qualify on her own (with her credit score), I don't think adding you to the loan application would hurt even though your score is not good (but I would still double check that).

Now that that's in place you'll want to start building credit through that LLC so you have enough credit time & a quality score to qualify for a property using your LLC.

What's the lowest credit score you will allow?

We came across a company called Seek Capital because, unlike other companies, they are willing to approve setting us up with lines of credit based on my wife's credit score and do not require a high monthly revenue like other companies. 

Hey @Bobby Valcin, so that orig person had a lot of debt with a low credit score, and when I mentioned that to him, he said "yeah, I figured you'd find that out from the application!" 

I look at big banks and credit unions that BP users say have recently extended a line of credit for rental houses.