❌ Loan Denied for Credit? Here’s What Actually Matters ❌

[Stevan Stojakovic]

❌ Banks love to make credit score the end of the conversation. Below their cutoff, your file is dead. But private lenders don’t operate that way. Credit matters - it sets pricing and terms - but it isn’t the verdict.

Here’s the truth: most private lenders draw the line around 620–640. But I’ve seen approvals in the high 500s when the deal itself was strong. Why? Because credit is just one piece of the risk picture.

If you’ve got real equity in the deal, solid margin, documented reserves, or an experienced partner on your team, those compensating factors can override a weak score. And if your exit strategy is clear and layered - sell retail if the market is hot, refinance and hold if it cools - lenders see a path to getting repaid. That matters more than the number.

I just released a video: “Loan Denied for Credit? Here’s What Actually Matters.”
Inside, I cover:
💡 The minimum thresholds most private lenders use
📈 What factors can override bad credit
🏚️ Real-world examples of deals that got approved with weak FICO scores

👉 Watch the full video here:

👉 DM us your FICO and scenario, and we’ll show you where you really stand.

Credit isn’t the full story. The deal, the plan, and the people matter more. 🚀