![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3177261/small_1738310079-avatar-stevet310.jpg?twic=v1/output=image&v=2)
6 February 2025 | 3 replies
When you say that you will "screen" prior to showing, does that mean a full application with backrgound and credit checks?
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/941288/small_1694565296-avatar-maryjay.jpg?twic=v1/output=image&v=2)
21 January 2025 | 6 replies
do not use a line of credit for a down payment.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/107728/small_1621417372-avatar-royalroseprops.jpg?twic=v1/output=image&v=2)
21 January 2025 | 11 replies
.: I haven't passed this past legal review so for what its worth: Part of my standard requirements for everyone include income is at least 3X rent, minimum credit score, say 640, Clean record and no evictions as well as deposit is paid in full at signing of lease and 1st month rent is paid in full prior to handing over the keys.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3157796/small_1734539903-avatar-jessicac504.jpg?twic=v1/output=image&v=2)
6 February 2025 | 2 replies
Looking for a PML to fund the deal .Please only respond if you are an asset based lender not looking for credit score ,I am looking to work with a lender who's criteria is based off the numbers .Thank you
8 January 2025 | 10 replies
@Reyna AyalaI personally feel this is overkill.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3160203/small_1734935391-avatar-kenm286.jpg?twic=v1/output=image&v=2)
23 January 2025 | 1 reply
At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/609180/small_1694592256-avatar-michaelp188.jpg?twic=v1/output=image&v=2)
4 February 2025 | 2 replies
Set aside a big pile of cash or rely on a line of credit you won't be using.The oversimplified insurance concept is to pay a small premium to cover a large loss.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/3155569/small_1733843030-avatar-aaronr427.jpg?twic=v1/output=image&v=2)
19 January 2025 | 18 replies
There are loan programs that will do a 20% down payment with a 680 or above credit score.
![](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2969044/small_1710031377-avatar-devinl89.jpg?twic=v1/output=image&v=2)
21 January 2025 | 4 replies
At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.