What credit score do I need to qualify for investment property financing?
Minimum credit scores vary by loan type, but most programs start between 620–680 depending on risk and leverage.
The credit score required to qualify depends on the type of financing you're seeking. For DSCR rental loans, many lenders begin at a minimum score of 620–660, while higher credit typically results in better pricing and higher LTV options.
Hard money loans are primarily asset-based, which means the property and the deal matter more than personal credit—but most lenders still want to see a minimum score of 580–620 for smoother approval. Multifamily and commercial loans often require stronger credit profiles, typically 680+, especially for larger loan amounts. Regardless of the product, Miami Financial works with borrowers across all credit tiers to identify the best available lending structure.