“Almost Impossible NOT to Qualify”

 “Almost Impossible NOT to Qualify”





Hi Mr. Joe,

Hope everything is good, can you please advise me on a multifamily property for an investment. I would like to know what the requirements for a loan are as far as credit score and down payment. I would like to see if I can get it under my name or the company name. Looking to see if I can get one at the end of this year. And what type of properties should I look into. Any and all advice will be really appreciated. 

Thank you for your time on this matter. 



If the credit scores are halfway decent, I’ve done them with a credit score of 560. Most of these loans are done with 20% down and as long as the rental income covers the mortgage payment a loan would be available.


This client makes a good income, but with the creative accounting that is used the tax returns don’t show that. However, his cash flow is outstanding. Almost anyone can qualify for an investor loan these days.



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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 3 commentsJoe Petrowsky • July 18 2019 06:04PM


Good morning, Joe Petrowsky that's a very low credit score that you were able to get approved for a loan....

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) 8 months ago

Thanks for sharing!

Most Investor loans are done with 20% down and as long as the rental income covers the mortgage payment a loan would be available.

Posted by Sham Reddy CRS, CRS (H E R Realty, Dayton, OH) 8 months ago

Good morning Joe. Anyone using a knowledgeable mortgage broker with multiple sources, like yourself, can qualify. Enjoy your day.

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) 8 months ago