DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

The property value must be a minimum of $250,000 USD, and the credit score requirement is at least 700 points, among other conditions.

Compared to other services that might offer lower-quality leads or require higher upfront costs/paywalls, Prime Tracers also give you free lead credits on sign up so you can actually see the results before you commit to a purchase.

Other than paying for an appraisal or BPO (and maybe a credit report), you should not pay a lender anything until your loan funds.

What's the lowest credit score you will allow?

THANKS Your local credit union might be your best bet.

Yes, your rate will change but not much if you have good credit it will go up around 5.875% to 6%.

But without the experience, knowledge and capital (actually CREDIT CAPACITY) I accumulated the prior 2 + years, this transaction would not have been possible.

I think your future self will thank you for doing that.Perhaps take out an equity line of credit in case you need it and using a property manager.

Take stock of your current credit score and accounts.