What Credit Score Do You Really Need

If you’re an investor, you’ve probably asked yourself:
“Can I actually get funding with my credit?”

The answer? It depends — but the good news is, you don’t need perfect credit to get approved. You just need to know how lenders think and what funding route fits your current profile.

At Skin in the Game Funding, we’ve helped clients with everything from 680s to 800+ FICO scores secure capital for flips, rentals, and development — and we’re breaking it down for you here.

💳 What Credit Scores Are Lenders Really Looking For?

There’s no universal number, but here’s a breakdown of common credit tiers and what type of real estate funding they typically qualify for:

• 720+ = You’re golden. Eligible for the best business credit cards, 0% interest offers, and private lending with strong terms.
• 680–719 = Still solid. You’ll qualify for many personal and business credit lines with a smart stacking strategy.
• 640–679 = Doable, but strategic. We may need to blend personal and business credit or clean up some small issues first.
• Under 640 = Not fundable (yet). But don’t worry — with Credit Repair Plus™, we can usually boost you to approval-ready within 1–3 months.

✅ Factors That Matter More Than Just Your Score

Funding decisions aren’t based on your credit score alone. Lenders also look at:

• Your credit card utilization (ideally under 60%)
• Late payments or negative marks within the last 24 months
• Number of inquiries in the last 6 months
• Age and mix of accounts
• Whether you have active trade lines in good standing

Think of your credit score as the cover of the book — but lenders are reading the full story.

🧠 What If I’m Close, But Not Quite There?

If your score is in the 640–680 range or you’re missing a few key credit criteria, we’ll let you know exactly what to fix — and fast-track you into our Credit Repair Plus™ program if needed.

It’s not about being “perfect.” It’s about being fundable.

🎯 The Fastest Way to Know Where You Stand

Let us take a look.

In our free 15-minute pre-approval call, we’ll:

• Review your credit profile
• Determine your funding readiness
• Recommend a clear next step
• Only move forward if you're a great fit

We don’t waste time. We only work with real estate investors ready to win — and we help those on the edge get across the line.

Final Word

You don’t need an 800 credit score to invest in real estate.
You just need a smart strategy — and a team that knows how to make you fundable.

👉 Click here to apply for your free pre-approval

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