Case #1BRRRR Strategy|Phoenix, AZ
Marcus T.
682 mid score, 4 personal cards near 80% utilization, 2 collections
Score lift
682 → 748
Funding secured
$185K
Time to close
73 days
The challenge
Had 2 rentals already but kept getting denied for the next acquisition. Lenders flagged him as overleveraged on personal credit even though his rentals were cash-flowing.
Our approach
- Disputed and removed both medical collections
- Paid down personal utilization from 80% to under 12%
- Established 2 business credit cards under his LLC
- Repositioned him with a portfolio lender instead of conventional
“I was about to give up after the third denial. The audit showed me exactly why I kept getting rejected and what to fix. Funded my next BRRRR three months later.”
Case #2Fix and Flip|Tampa, FL
Yvette R.
718 score, thin business credit, only 6 months self-employed
Business credit unlocked
$87K
Bridge funding
$220K
Flip profit
$54K
The challenge
Solid credit but lenders wouldn't touch her because her business was too new and her tax returns showed low income (writeoffs). Couldn't access traditional flip funding.
Our approach
- Built a business credit stack with 3 0% APR business cards (combined $87K limits)
- Established trade lines with vendors to thicken business profile
- Paired her with a hard money lender that uses asset-based underwriting
- Structured a bridge + business credit combo so she had reserves
“Nobody told me I could fund a flip without traditional bank approval. The business credit stack alone covered my rehab. The bridge handled the acquisition.”
Case #3Multifamily Acquisition|Atlanta, GA
Andre & Simone J.
705 / 691, two LLCs, mismatched tradelines, no recent activity
Combined score lift
+62 points
DSCR loan
$1.4M
Doors added
12
The challenge
Wanted to scale from 4 doors to a 12-unit. Had the down payment but couldn't qualify because their LLCs had inconsistent reporting and one had a stale dispute on file.
Our approach
- Cleaned up both profiles in parallel — same dispute and utilization plan
- Consolidated their two LLCs and reactivated business tradelines
- Repositioned them for a DSCR loan instead of conventional
- Sequenced the application so the stronger profile was primary
“The sequencing piece was huge. We didn't even know lenders looked at primary vs secondary applicant differently. Closed our 12-unit in under 90 days.”