. :)  these are not credit score loans ( I mean I have a credit score) but thats just a formality its all about capital and relationships with your bankers and deposit relationships thats key as well.Yes your relationships with sub contractors will be a huge factor in profitability, both direct and indirect. 

At least 2 US credit scores required to qualify.

Reports to credit bureaus.

We would all love to have that note that has 5 years of perfect payments, 800+ credit score and a 20-25% down payment. 

However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

.: 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.

I've never had a problem with a tenant with a credit score above 700. 

DSCR loans go up to 80% of the purchase price and depending on the Debt Service Coverage Ratio and your credit score you can expect rates on a 30 yr loan ranging from High 6%- Mid 8%. 

I don't have the time or energy to file a complaint with the credit bureaus and my score is still over 800 so I'm moving on.

We add up the scores and get a total score that reflects the level of risk the applicant presents.