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CREDITQUICK 50

DSCR Loans for Real Estate Investors with Bad Credit

500+ FICO OK

Struggling with credit challenges but sitting on strong equity? CreditQuick50 is your fast-track to real estate refinancing, even if your FICO is in the 500s.

This investor-focused No-Ratio DSCR loan program lets you access up to 50% of your property’s value with no tax returns, no W2s, and no title seasoning.

Just equity, speed, and a path forward.

🚀 Get the funding you need without hard money rates or traditional roadblocks.

Apply now and take the first step toward financial control.

 

✅Credit Scores from 500+ Accepted. Approval based on equity, not credit history

✅ Refinance from Day One. No title seasoning required

✅Residential, Multifamily & Commercial Properties Accepted.

✅  No Income Docs Needed. DSCR-based (No Ratio required), no W2s or tax returns required.

✅  Fast Closings. 30-year fixed financing with flexible prepay terms

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👉 KEY PROGRAM HIGHLIGHTS:

 

Ideal for Real Estate Investors looking for an easier way to finance rental properties, without the hard money interest rates and terms.

 

  • Investment Homes Only - Owner cannot occupy any part of the property

  • 🚀 Fast Turn-around time: Average closing timeframe is 3-6 weeks.

  • 🔥 MINIMUM FICO to Qualify: 500*

  • MAXIMUM LTV: 50%

  • MINIMUM LOAN AMOUNT:  $100,000
  • MAXIMUM LOAN AMOUNT: $5 Million

  • 💵 CASH-OUT: Take Cash-Out for property improvements, investment purposes, or other business opportunities.

  • No Tax Returns or Personal Income needed to qualify

  • ✅ NO DSCR RATIO: No DSCR Ratio Formulation Used to Qualify. This means less risk and hassle, and can also helpful for properties that currently lack sufficient cash-flow to qualify for a traditional DSCR program.  

  • ELIGIBLE PROPERTIES: 1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use  |  Office | Retail | Warehouse | Storage | Automotive

  • Appraisal - for residential properties, a standard residential appraisal report with Market Rental Analysis.  Other property types require appropriate appraisal reports.

  • Foreign National Investors accepted.

 

 

* 🚫 Not a rescue / bailout loan: We finance PURCHASES of distressed properties; but we do not REFINANCE distressed properties. This program cannot be used to remedy delinquent mortgage payments.

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With CreditQuick50, the possibilities are endless.

Use it to:

💳
Consolidate Debts

⏳

Pay Off Maturing Notes

📈
Fix Your Credit

Pay off high-interest loans and realign your debt structure.

Pay down maxed-out credit lines and boost your FICO score.

Replace short-term or balloon loans with stable 30-year financing.

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Avoid Hard Money Traps

💰
Redeploy Capital

Use cash-out proceeds to fund your next property or venture.

Say goodbye to excessive fees and risky short-term refinances.

📚 Meet Michelle

Michelle owned her investment property outright but faced financial challenges when her credit score dipped below 600. Traditional lenders turned her away.

Through CreditQuick50, she accessed $350,000 (half the property's $700,000 value).

This allowed her to pay down debts, improve her credit, and invest in a new property.

Michelle's story is a testament to the program's potential to transform financial situations.

What is the CreditQuick50 program?

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CreditQuick50 is a DSCR loan tailored for real estate investors with credit scores as low as 550. It enables refinancing up to 50% of your property's value without traditional income verification.

Who benefits most from CreditQuick50?

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Investors seeking to refinance properties they own, especially those with low credit scores or unconventional income sources.

Do I need a tenant or lease in place to qualify?

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If you're refinancing a property you already own, then the property must be tenant-occupied.  But if it's a new acquisition, we may be able to use market rents with an appraiser’s opinion.

What can I use the cash-out funds for?

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Anything strategic for business-purposes. Investors use this program to consolidate high-interest debt, fix personal credit, pay off balloon notes, or redeploy capital into new deals. It’s your equity. Use it wisely.

What are the credit requirements?

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A minimum FICO score of 550 is required, focusing more on property equity than credit history.  You must be current on all mortgage obligations.

Is this a hard money loan?

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No. CreditQuick50 offers 30-year fixed-rate loans, providing stability unlike short-term hard money loans.

Can I refinance immediately after purchasing a property?

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Yes. There's no title seasoning requirement, allowing refinancing from day one.

Are there prepayment penalties?

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Yes, ranging from 1 to 5 years. Terms are negotiable during the loan consultation.

Is an escrow account required?

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Yes. An escrow account for taxes and insurance are mandatory and are included in your monthly payment.

Can I get approved if my credit score is below 600?

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Yes. That’s the whole point of this program. Most DSCR lenders cut off at 660. We accept scores in the 500's as long as the property cash flows and your strategy makes sense.

What property types are eligible?

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Eligible properties include residential (1-4 units), multifamily, mixed-use, office, retail, warehouse, self-storage, and automotive.

Can I refinance again once my credit improves?

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Absolutely. Many investors use CreditQuick50 as a bridge. Refinance now, stabilize your portfolio, boost your scores, then refinance later into even better terms. It’s all about strategy.

How quickly can I close?

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Closings typically occur within 3 to 6 weeks, depending on documentation and appraisal timelines.

🔎 You Deserve Better Than Hard Money. Compare for Yourself.

Feature CreditQuick50 (DSCR Loan) Hard Money Loan
Credit Score OK Below 600 ✅ Yes — 500+ FICO eligible ❌ Rarely accepted
No Income Verification ✅ DSCR No Ratio Qualification ✅ Usually no income docs
Permanent 30-Year Fixed Option ✅ Yes — no balloon, no refi needed ❌ Typically 12–18 month term
Refinance on Your Terms ✅ Anytime after closing, no rush ❌ Forced refi when loan matures
Low Upfront Fees ✅ Standard lender + title fees ❌ Often 3–6% origination + junk fees
Escrow for Taxes & Insurance ✅ Required, simplifies payments ❌ Usually borrower handles it manually in large lump sums
Stability for Long-Term Hold ✅ Built for Buy-and-Hold investors ❌ Better for short-term flips only
Can Improve Credit by Paying Off Debts ✅ Yes — credit gains possible ❌ Rarely structured for credit help
Prepayment Flexibility ✅ 1–5 year penalty (discussable) ❌ Often steep and inflexible
Available to Foreign Nationals ✅ Yes ❌ Limited, often excluded

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📣 Ready to leverage your property's equity?

Apply for CreditQuick50 today and take the next step in growing your real estate investments—no matter your credit score.

APPLY NOW

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Need Help Planning Your Next Investment Property?

We'd love to discuss your scenario.

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CREDITQUICK 50
LOW Credit? High Equity?
NO PROBLEM. 👍

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

Office | Retail | Warehouse | Self-Storage | Automotive

🔥 #1 TOP NEW PROGRAM

COMMERCIAL SIMPLICITY

Commercial Financing Without the Red Tape.

Office | Retail | Warehouse | Self-Storage | Automotive

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

REHAB PLUS+

Fix and Flip Financing Without the Hassle.

1 Unit | 2-4 Unit |  5-9+ Unit

SPRINT BRIDGE

Bridge Financing Without the Hassle or Hard Money Terms.

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

No RATIO PRO
DSCR with No Market Rent Restrictions – Invest Freely.

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

⭐ TOP RISING NEW PROGRAM

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This is not a commitment to lend.  Not all borrowers will qualify for the loan programs listed.  All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.