I am lacking financial history due to age and have a mediocre credit score, ~680.

I have substantial net worth IMO, and a credit score of 790 - - I can't understand why I'm being denied these LOC's when my credit history is impeccable.Anyone here have advice or tips?  

Heres a free one, go to Credit Nerds they a full Free 100% credit repair program, even if you bring your score up just 10-20 points why not it totally free is there a catch?

It greatly increases the stakes and the stress.I had this question once, and in my personal experience, learned that my credit score was way more valuable than I thought.

Our rental 360 program is a low doc program that requires you have a 630 credit score or higher, 6 months or reserves based only on the month payments for the property you will be financing with us.

This way I am still getting a deal on the house and they are getting an extra $10,000 for the house (not to mention getting paid in full a bit sooner).I see it as an opportunity to recoup my expenses faster due to a lesser mortgage payment.

They are beginning to give loans to people with subpar credit scores (600).  

You have the option of a 15, 20 or 30 year term.For A Fixed Rate Purchase, Investment properties, Mortgages 1-4; A SFR requires a LTV of 85%A MFR requires a LTV of 75%A minimum credit score of 620For A Fixed Rate Purchase, Investment properties, Mortgages 5-10; A SFR requires a LTV of 75%A MFR requires a LTV of 70%Minimum credit score of 720Here are some answers to FAQ as well;1.

That to give me extra cash but also when bankers are looking at your income they really are not considering OT as part of your income they are giving a better score if you actually have a second source of income rather than OT.

The interest for a few months would be no where near $5000 and if you pay it off in a a few months it isn't going to effect your credit score very much and any effect would be short lived.If you borrow and someone wants a 1st or 2nd mortgage (which they should) then you will have additional legal fees to create the mortgage or lien against the property.John Underwood