640-650 Credit Score.Investment Property.Here's What's Available.
- 650+ FICO: Program 7: up to 75% LTV on LTR 1–4 units
- 500+ FICO: Program 7: up to 50% LTV on LTR 1–4 units
- No income docs on all programs
- Higher rates apply, but your deal gets done
640-650 FICO and need to refi your rental? Submit your deal: we'll tell you exactly which program fits.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
The Honest Breakdown for 640-650 FICO
Standard DSCR programs start at 660 FICO. If your credit is 640–650, standard programs are not available to you, but Program 7 is.
At 650 FICO, Program 7 provides up to 75% LTV on LTR properties 1–4 units. At 640–649 FICO, Program 7 provides up to 50% LTV. Rates are in the 9s on both tiers : meaningfully higher than standard.
If your FICO is 640–650 and you have significant equity in an LTR property, you have a real option. If your credit is below 640, the options narrow further, but 500+ FICO still qualifies at 50% LTV.
Credit Tiers
Full Credit Score LTV Grid
640-650 Credit Score DSCR FAQ
640-650 FICO? Options Exist.
Submit your deal. We'll find your program.