In 2023 before I invested any funds, each and every time that I spoke with their representatives, I asked as my FIRST question if Norada Capital Management had ever missed any interest or principal payments, and was always told the same thing by their representatives, that Norada had a perfect payment/reimbursement history.

Ours tenants mostly pay online, 93%, by ACH, debit, and credit card.

In the Netherlands, for example, banks typically offer refinancing options with a Loan to Value (LTV) of up to 80% in some cases, depending on the property and the borrower’s financial history.

This often means a smaller down payment and lower monthly payments compared to a traditional bank loan, especially since the seller may not be tied to the high interest rates banks are offering.Another option is a land loan from a local credit union or bank.

The property should have more impact than credit for hard money, but if you have never used the company, you are probably looking at 14 pct and 2-3 points now.

Faced with the same problem I had to begin with, credit scores aren't great and don't have a qualifying cosigner for any type of traditional loan, mortgage or any type of equity refinance or HELOC, right now at this moment.

@Otis Clayton You say "I am at the point that I want a partner with some cash and credit to refi the deals I get from marketing and talking to sellers"Based on that you are looking for someone who has cash and credit, wants to invest/benefit from real estate but does not have time to find deals.Look for someone like that, be clear on their role and your role.

On one hand, there're a number of legitimate tax deductions, credits, and loopholes that are not well-known.

Credit unions or smaller regional banks might be a better fit.

By the way, credit card expenses count when charged, not when the credit card bill is paid.Buy more stuff.