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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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* 🚫 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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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.
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.
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.
Investors seeking to refinance properties they own, especially those with low credit scores or unconventional income sources.
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.
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.
A minimum FICO score of 550 is required, focusing more on property equity than credit history. You must be current on all mortgage obligations.
No. CreditQuick50 offers 30-year fixed-rate loans, providing stability unlike short-term hard money loans.
Yes. There's no title seasoning requirement, allowing refinancing from day one.
Yes, ranging from 1 to 5 years. Terms are negotiable during the loan consultation.
Yes. An escrow account for taxes and insurance are mandatory and are included in your monthly payment.
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.
Eligible properties include residential (1-4 units), multifamily, mixed-use, office, retail, warehouse, self-storage, and automotive.
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.
Closings typically occur within 3 to 6 weeks, depending on documentation and appraisal timelines.
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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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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.