Conventional Investment Loan with low credit

[Larry Hucks]

Hello,

I recently sold a property in SoCal and I am looking to use the funds for a 1031 exchange. I used to have a credit score in the 760s but I bought a distressed property and used credit cards to rehab it, causing my credit score to drop to around the 600-620s, but my plan was to do a cash out refi on 5/1/2020 (that'll be 6 months since I bought the property via hard money) so I can pay off the debts.

Is there anyone who can lend 30 year fixed conventional investment loan with lower credit? I have multiple mortgages and cash flowing properties and good DTI, I have just never been faced with a situation of trying to get lending with low credit. I have a timeline to identify my properties for my 1031 exchange as well.

Thanks