650 Credit Score.Investment Property.Program 7 Gets You to 75% LTV.
- 650+ FICO qualifies via Program 7: up to 75% LTV
- Higher rates apply, but you access your equity
- Available for LTR properties 1–4 units
- No minimum DSCR on Program 7
650 FICO and need to refi your LTR? Program 7 was built for this. Submit your deal.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
What Is Program 7 and Who Is It For?
Program 7 is our expanded credit program for long-term rental (LTR) properties 1–4 units. It allows borrowers with 650+ FICO to access up to 75% LTV on both purchases and refinances: a tier that doesn't exist on most DSCR lenders' rate sheets.
The trade-off is rate. Program 7 rates are in the 9s: meaningfully higher than standard program rates. But if you need to access equity at 650 FICO and every other lender has declined you, Program 7 is a genuine path forward.
Important note: Program 7 also goes down to 500 FICO at 50% LTV with no minimum DSCR requirement. If your credit is below 650 and you have sufficient equity, submit your deal and we will identify the right program.
Credit Tiers
Full Credit Score LTV Grid
650 Credit Score DSCR Refi FAQ
650 FICO and Need to Refi?
Program 7 goes where others don't. Submit your deal.