I did make allowances that the numbers may vary by region but you have indicated that this is not the caseI to want help people here on BP with the HUD process and have helped scores publicly and privately. 

Personally, I've learned an incredible amount in just the last 2 months.

Having high credit scores like you do will help with getting favorable terms. 

It was a game changer for our company and is incredibly robust now. 

We've got an incredible program where we do things the banks won't do with respect to financing residential developments up to $30K.

(Being that most apartment building in downtown lisbon are small and only need refurbishment on the inside no structural repairs needed).Which offer incredible yields both on a rental basis or from a fix & flip perspective.In my specific case I don’t have the required funds available to enter on my own and therefore am looking for seasoned investors who would be willing to enter on a partnership or joint venture to invest (all legal, with written contracts obviously).I have seen people with no money but the right skills and connections for the job be successful at it.

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

As someone who has been working with investors for quite some time now some advice I would give you is to learn the lingo & things to learn1% rule75% ARVHow to calculate ARVHow to run rental compsHere is a fantastic website I use for all of my in state and out of state investors.Use this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onhttps://www.areavibes.com/Here is my rating & classification for each livability score. 80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

This is important to ask about.Pricing: Think of a chart with X and Y axes—X is your credit score, and Y is your LTV.

They can do HELOCs down to 640 for primary homes and 680 for investment properties, combined loan to value (CLTV) are up to 85% for cash out for primary homes and up to 70% for investment properties (max CLTV depends on credit score).HELOC maximum line amounts up to $400,000 for primary homes and $250,000 for investment properties (maximum loan to value (LTV) varies based on credit score).