Typical credit considerations
There is no single minimum score published for all private lenders. Many investors with mid-600 scores close strong deals when ARV, margin, and experience support the file.
Higher credit may improve rate and leverage. Lower credit may require more equity or a stronger track record.
Beyond the score
Recent bankruptcies, foreclosures, or active judgments can affect approval even with a decent score. Be transparent early so strategists can route you to the right program.
Focus on building a clean deal package: comps, scope, budget, and timeline.