My credit score is will over 820 and i have a 7 figure portfolio and could pay the $85,000 back in probably 10 months pretty easily without having to sell stocks or refinance properties to quickly get into this multi family investment.Thoughts?

Also, I recently screened a couple who doesn't even have a FICO credit score.

I didn't know these things could factor into the scoring system.  

Credit score disqualification, insufficient work history or income, criminal record, etc.

If you ask your tax gal what IRS form the business will be reported on, you can probably give a blank version of that form to your mortgage guy, who can draw little smiley faces and sad faces to tell you what will and will not ding you.

Bring it below 3% utilization (you will see the biggest score jump), you can ask for a credit increase.

If you have a good credit score and are putting a decent amount down, you can get the rates down to a level that isn't much higher than market rate for conforming loans. 

Dmitriy Dorogan I could help you out, I have a lender contact that offers no minimum credit score, no income verification.

My credit score is 748.

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