Barclay Butler Financial Inc.

September 24, 2025

Non-QM Loans Available with Credit Scores as Low as 550

Most lenders require a 620+ credit score for Non-QM financing because they rely on automated approval systems. But Non-QM (Non-Qualified Mortgage) programs were designed for borrowers with alternative income situations — like self-employed individuals or those without W-2s — and can help you qualify even with lower credit. 📜 What Are Non-QM Loans? Non-QM (Non-Qualified Mortgage) loans were created […]

2-4 unit building 0 48 sec read

September 14, 2025

Hard Money Loans

Hard Money Loans: An Overview What They Are Hard money loans are short-term, asset-based loans primarily used by real estate investors. Unlike traditional bank mortgages, they are issued by private investors or lending companies and rely on the property’s value rather than the borrower’s credit history. How They Work Asset-based lending: Approval is based on the property’s value (collateral), not […]

2-4 unit building 0 1 min read

July 2, 2025

Small Investment Property Loans – Starting at $75,000

Are you looking to finance an investment property but being turned away because your loan amount is “too small”? Most lenders won’t touch loans under $100,000—but we will. At Barclay Butler Financial, our investors finance loan amounts as low as $75,000. ✅ Fixed interest rate loans – starting in the mid-6’s✅ Full Doc, No Doc, DSCR, or Fix & Flip […]

2-4 unit building 0 30 sec read

June 19, 2025

Need Cash? A Cash-Out Refinance Might Be the Solution

A cash-out refinance allows you to access the equity in your property and use the funds for virtually any purpose—pay off debt, make a major purchase, invest in a business, or simply improve your financial flexibility. ✅ General Requirements: Most lenders require a minimum credit score of 640. If you’re self-employed and show limited income on your taxes, options […]

2-4 unit building 0 42 sec read

April 4, 2025

Asset Based Lending (Hard money loans) No credit score used

Do you own a property but your credit score is low. Have no way of accessing the equity in the property. We can help you. Asset Based lenders can lend on almost any property type. Property types include, SFH, 1-4 units, manufactured home, PUD, townhome, condo, dome home, co-op, log home, multi units, apartment buildings, commercial, industrial, ranch, farm, agricultural, […]

2-4 unit building 0 52 sec read

October 16, 2024

Investment Property Mortgages – Even with Bad or No Credit

Credit issues don’t have to stop you from building your real estate portfolio or tapping into the equity of your investment properties. Past bankruptcies, foreclosures, or late payments? No problem — we have solutions. Whether it’s a single-family home, condo, or commercial property, we offer tailored mortgage options designed to fit your goals: ✅ 25% down or 75% equity required […]

2-4 unit building 0 27 sec read

March 14, 2023

What you should know about student loans before you buy a home or refinance.

Student loans can affect the loan process in multiple ways. They could limit you on how much you can buy or they could prevent you from buying a home all together. We will look at how student loans affect FHA, VA, USDA & conventional loans. Student loans are looked at differently depending on what type of loan you are […]

203- K mortgage 0 1 min read

March 14, 2023

Alternative Income mortgages are BACK.

It has been many years but alternative income loans are BACK. This loan is for a self-employed person who does not show all of their income on a tax return. If you are buying or refinancing a home and you are self employed this is the perfect mortgage for you. You can get this loan on your primary, second home […]

Bad Credit 0 45 sec read

September 25, 2019

Investment property blanket portfolio loans

Do you own investment properties and you cannot get cash out of them because their values are too low? Do you want to put all of your investment properties under one loan at a low interest rate? Do not show enough income on your taxes. This loan product will help you with those problems. Minimum property value is $40,000. Min. […]

All states 0 45 sec read

June 26, 2019

No Doc / No Ratio Investment Property loan are back.

Do you own or want to own an investment property but, you keep getting turned down because your income is not sufficient or you own too many investment properties. These new loans do not verify your income. As long as you can put down 15% or you have 25% equity in your property you can get one of these loans. […]