Updated about 2 months ago on .
🔥 Is “Phantom Credit” Quietly Reshaping Real Estate Risk? 🔥
🚨 Real estate investors and private lenders - if you're still relying solely on DTI, credit scores, and bank statements to assess borrowers, you're missing a new shadow creeping into the system.
It’s called “Phantom Credit” - and it’s not on your radar... yet.
These are invisible debt obligations issued by embedded fintech platforms, BNPL programs, and private credit lines that don’t appear on traditional credit checks. They’re growing fast - and they’re creating a layer of financial risk even seasoned underwriters can’t detect.
🧠 In our latest PhoenixFunded video, we break it all down:
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What phantom credit actually is - and why it's growing now
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How it's affecting investor deals, tenant screening, and loan decisions
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What smart money is watching to avoid surprise defaults
👀 Whether you lend, flip, or build long-term rental portfolios, knowing where the credit skeletons are buried could save your next deal.
📽️ Watch now →
📩 Got questions or deals to fund? Email us directly at [email protected]
Let’s get smarter - together.
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