@Carlos Ptriawan to add to what you’re saying, if an investor has a mix of properties (great ones and lesser ones) and they are looking to streamline, they could sell the less desirable ones, pay the gain taxes, and use the proceeds to pay down/off the loans on the most desirable properties they want to keep long term.

We are a small partnership with 4-5 properties currently, but we are growing and hoping to find a reliable lending partner that we can do repeat business with.About 3 months ago, we successfully completed a BRRRR deal where we had excellent numbers, over a 1.25 ratio at 75% LTV, our guarantor partner has an 800+ credit score, and we had no issues qualifying for the loan.

Does your ad have a minimum credit score above 620?

Quote from @David Sotomayor: Im getting into fix and flip real estate and working with a private lender who requires a higher credit score than mine to qualify.

Score.

What's the lowest credit score you will allow?

Quote from @Raymond Kalonji: In your opinion, what would be a reasonable minimum credit score?

Further context, I have zero debt, high 700s credit score, one other investment property here locally. 175k in cash available, looking to do DSCR loans or cash and then refinance.Peoria, Illinois- Great need for lower income housing, market appears to have many options.Lawton, Oklahoma- Looking only at extremely cheap properties, as it seems it’s not terribly hard to find renters.

@Devon Shives What's the plan to help the mrs improve her credit score?

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?