All lenders / Low credit score investor lenders

Investor Loans for Lower Credit Scores (640 and Under)

Lenders whose lowest published minimum credit score is 640 or below. Lower scores usually mean lower max LTV and higher pricing, and the lowest minimum often applies to only one program.

LenderTracker is an independent directory. We don't broker loans, don't take per-loan or per-lead fees, and don't rank lenders for pay. Terms change often: confirm everything with the lender. Full disclosure.

Lenders whose lowest published minimum credit score is 640 or below. Lower scores usually mean lower max LTV and higher pricing, and the lowest minimum often applies to only one program.

12 lenders · checked October 16, 2026 · open full table with filters

LenderLoan typesMin FICOMax purchase LTVMax cash-out LTVMin DSCRLoan sizeSTRForeign nationalCoverage
Cogo CapitalDirect to investors Fix & flipHard moneyDSCR / rental60080%— —$50K–$3M—— Says it serves investors across America.
Defy MortgageDirect to investors DSCR / rental64085%80% 0.75x——Yes 40 states
Dominion Financial ServicesDirect to investors DSCR / rentalBridge64080%— ——Yes— All 50 + DC
Easy Street CapitalDirect to investors DSCR / rentalFix & flipBridge600—— No minimum$75K–$5MYes— DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and …
Express Capital FinancingDirect to investors DSCR / rentalFix & flip60085%75% 1.0x (no-DSCR option)$50K–$3MYesYes DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, …
Griffin FundingDirect to investors DSCR / rental62085%80% No minimum$100K–$4.5MYesYes All 50 + DC
HouseMax FundingDirect to investors Fix & flipBridgeDSCR / rentalHard money640—— —From $85K—— Describes nationwide lending.
Longleaf LendingDirect to investors DSCR / rentalFix & flipBridge64080%— Typically >1.0$75K–$2MYes— All 50 + DC
NewfiDirect to investors DSCR / rental64080%80% 0.75x—Yes— —
Rehab Financial GroupDirect to investors Fix & flipHard moneyDSCR / rental640—75% —$100K–$1.25M—— 18 states
Stratton EquitiesDirect to investors DSCR / rentalFix & flipBridgeHard money60085%— —$100K–$5M—Yes Describes itself as a nationwide private money and non-QM le…
Truss Financial GroupDirect to investors DSCR / rentalFix & flipBridge620—— ———— —