Are Credit Scores Actually Necessary for Real Estate Investing? Jordan Nutter at NFM Lending is back with Mary Jo Irmen for Part 2 - to break down investment lending.

They cover how to fix your credit scores before you buy, DSCR loan vs conventional for rentals, long-term vs short-term rentals, midterm / Furnished Finder rentals, second homes with 10% down, PMI removal, bankruptcy wait times, mobile homes, and how assuming a mortgage really works.

If you have collections, lates, high utilization, or you're 6 months out from buying, you need to book Jordan's FREE credit help call here: https://anutterhomeloan.com

Chapters
00:00 Preview: Free credit help from 3,000+ credit reports
00:39 Welcome back Jordan Nutter - Part 2: Investment lending
01:55 Bad credit score? Where to start
02:39 Late payments: 30, 60, 90, 120-day impact
03:22 Utilization: revolving vs installment debt
05:02 Please stop co-signing
05:34 Collections vs charge-offs
06:42 Pay-to-delete: negotiate BEFORE you pay
09:49 Call a lender first? Free credit help call
14:10 Warning: Why "stop paying" advice wrecks you
15:34 How long do lates hurt?
16:47 Bankruptcy: Chapter 7 vs Chapter 13
18:00 FHA 2 years + 1 day, Conventional 4 years
21:11 Due date vs statement date trap
24:35 3 ways to rebuild credit
31:16 Long-term vs short-term rental loans
33:34 Conventional vs DSCR loan explained
36:17 Why agent rental comps matter for DSCR
37:28 Midterm / Furnished Finder rentals
38:28 Second home strategy: 10% down
41:12 Rates today + what moves your rate
42:00 Mobile / manufactured home loan rules
43:28 PMI on investments
45:11 When PMI drops vs FHA for life
48:39 House-hack: 2-4 units with low down
52:56 Assuming loans + VA entitlement trap
59:47 Wrap + how to book Jordan

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