How hard it is to get hardmoney with 744 Fico but firsttimeinvestment and low credit?

[Rogelio Molina]

Hey! I've found some interesting properties which i like to purchase to start my fix n flip and brrr investments in San Antonio Texas, but almost every hard money lender have asked me for previous investments (which i have in méxico but not in the US and they require US) and also i have good Fico Score but very low Credit since I started building it 2025, should I wait a little until I have more credit history or make an offer to purchases a property with inancing contingency?

[Kyle Mccaw]

Getting hard money with a 744 FICO is very possible — especially in Texas. But hard money lenders care more about the deal than your credit. What really matters is:

1. The asset: Is the ARV strong? Can it be resold quickly?

2. Your plan: Have a clear rehab budget and timeline.

3. Your experience: If you're new in the U.S. market, emphasize past projects in Mexico and show you’ve completed successful flips.

4. Your down payment: Expect to bring 10–20% of the purchase price plus closing costs and holding reserves.

You don’t need to wait for a thicker credit file. Just be ready to present a clean package: deal comps, scope of work, exit strategy, and estimated margins.