You don’t need perfect credit. Just a 660 score opens the door to your next rental property.
Keep more capital in your pocket. You only need 7% down to close.
We don’t require W2s, tax returns, or income statements. We qualify based on your credit & asset strength.
We streamline your experience so you can close in as little as 30 days.
Only 680 Credit Score Needed
You don’t need perfect credit to get started in real estate. With just a 680 credit score, you can qualify to purchase your next rental or investment property. This makes entry into property ownership much more accessible compared to traditional lending requirements.
Low 7% Down Payment
Instead of tying up large amounts of cash, you only need a 7% down payment to close. This allows you to keep more working capital in your pocket for renovations, reserves, or your next deal.
No Income? No Problem.
Forget about stacks of paperwork. This program does not require W-2s, tax returns, or income statements. Your approval is based primarily on your credit profile and asset strength, not your job history or tax filings.
Fast & Easy Approval Process
Our streamlined process eliminates red tape and delays. You can move from application to closing in as little as 30 days, giving you the speed and confidence to secure investment opportunities before the competition.
7% Down → Lower barrier to entry than conventional. On a $200K property, that’s $14,000 vs. $40,000 (20% down).
680 Credit Score → Mid-tier, not perfect, but good enough to qualify.
Likely designed for first-time buyers and investors.
Savvy investors know that speed and leverage are key to growing a rental portfolio. This program makes both possible:
Credit-Based Entry – With just a 680 credit score, experienced buyers don’t have to wait years to qualify under rigid bank guidelines. They can move quickly when opportunities arise.
Low Capital Requirement – A 7% down payment keeps capital free. Instead of locking $50K–$100K into a single deal, investors can spread funds across multiple properties, accelerating portfolio growth.
No Income Documentation – Since approvals are based on credit and assets—not W2s or tax returns—investors with multiple business ventures or complex tax filings can scale without traditional income roadblocks.
Rapid Closings – With the ability to close in 30 days or less, experienced buyers can compete with cash offers, lock down deals faster, and secure properties before other investors
By leveraging these terms, an experienced investor can recycle capital, expand holdings quickly, and build long-term wealth through appreciation, rental income, and portfolio diversification—without being slowed down by conventional financing limits.
Low Down Payment (7%) → On a $300K property, that’s $21K instead of $45K–$60K (15–20% down).
Moderate Credit Score (680) → Good enough to qualify without needing “excellent” 740+.
Rental Income Counts → Many lenders will let you use 75% of projected rental income (from the units you don’t occupy) to help qualify for the loan.
Non-QM / No-Doc refis are a tool for people who can afford a mortgage but can’t prove it the “normal” way.” They cost more, but they can bridge the gap until you’re back to steady W-2 or 1099 income.
No-Doc (No Documentation): Instead of asking for W-2s, pay stubs, or tax returns, the lender approves you using other factors like assets, equity, or credit score.
Non-QM (Non-Qualified Mortgage): These loans don’t meet the standard Fannie Mae / Freddie Mac underwriting rules. They’re often used for people who are self-employed, retired, or can’t show traditional income.
Lenders might qualify you based on:
Bank Statements (12–24 months) → they look at deposits as proof of income.
Credit Score and Percentage of Loan Amount
Asset Depletion → if you’ve got savings/retirement funds, they “stretch” those into monthly income on paper.
DSCR (Debt-Service Coverage Ratio) → used for investment properties, qualifying based on the property’s rent vs. mortgage payment.
Equity & Credit Score → the more equity you have and the higher your credit, the easier approval is.
Complete our 2-minute pre-approval form.
Just your credit report and proof of down payment funds.
Receive your approval letter and start shopping with confidence.
No income documentation. No headaches.
No Income Needed. Just a 680 Score and 7% Down.
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No problem — we don’t require proof of income or job verification.
Yes — this is designed for investment purchases, whether it's your first or fifth.
We fund in most states across the U.S. Contact us to confirm your market.
Please contact us and upload and explain all factors and we’ll evaluate each situation on a case by case basis. Do NOT ignore a summons as it can result in a default judgment and can affect your ability to access personal assets such as bank accounts, retirement accounts, investments accounts, and other hard assets in your possession.
Georgia
info@dreambuilders.pro
( +62 ) 123 456 789
Monday - Friday
9:00 AM - 4:00 PM EST
Apply now or call us to start your journey with dream builders
or call 123-456-789
Millions of Americans are seeing their credit scores plummet due to missed student loan payments after the end of federal forbearance. Over 2.2 million borrowers have experienced droops exceeding 100 points, making it harder to secure loans, housing, and even jobs. Many were unaware that payments had resumed, leading to unexpected delinquencies. With collection measures like wage garnishment back in play, financial strain is intensifying.
Stay informed and take action to protect your financial health.