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Updated 1 day ago on . Most recent reply
What does a lender really need to trust a first-time investor?
I’ve seen many great deals slip away because new investors don’t meet the standard checklist — but everyone has to start somewhere.
I’d love to hear from lenders:
• What matters more — credit score, team, down payment, personality, LLC setup…?
• What would actually make you say “yes” to someone doing their very first deal?
Most Popular Reply

Honestly, this is a great question — because new investors get discouraged fast when they hear “no” without knowing why.
From what I’ve seen and heard directly from lenders I’ve worked with, here’s the real breakdown:
It’s not always about having a perfect credit score or tons of cash. What actually matters is showing you’re prepared, coachable, and realistic.
If you don’t have experience, bring a solid team (GC, agent, mentor, etc.). If you don’t have capital, make sure you’re not overleveraged and the deal itself makes sense with a real exit plan.
And if you're working under an LLC, that's great — but they'll still be looking at you as the guarantor on that first deal.
What tips the scale? Clarity. Show your numbers. Show your plan. Know your ARV and how you'll hit it. Be upfront about your gaps — and how you're filling them.
Some lenders say yes because they see someone who’s not just throwing offers but really understands the risk and the process.
If any lenders are reading this — I’d love to hear what makes you take a chance on a first-timer.