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Joyce Ann Magallanes on Muck Rack

Joyce Ann Magallanes

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Articles

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By Joyce Ann Magallanes
| BiggerPockets Verified
We are currently reviewing investment property scenarios and offering flexible, asset-based financing options for real estate investors across multiple states. Available programs include: • Fix & Flip Financing with up to 90% of the purchase price and up to 100% of rehab costs* in qualifying scenarios.
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Is the "You Need 20–25% Down" Rule Actually Holding Investors Back?

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By Joyce Ann Magallanes
| BiggerPockets Verified
Updated 25 minutes ago on 06/12/2026. Most recent reply Lender from New York Member since Apr 21, 2025 Posts 357 Votes 15 Experience 8 Yrs 357 Posts 15 Votes Lender from New York Member since Apr 21, 2025 Posts 357 Votes 15 Experience 8 Yrs Joyce Ann MagallanesPoster Lender New York 15 Votes | 357 Posts I hear this constantly from investors who passed on deals they should have pursued — they assumed they needed to bring a large chunk of cash to the table because that's what they'd always heard.
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By Joyce Ann Magallanes
| BiggerPockets Verified
Most investors assume financing comes down to credit. It doesn't. Here's what lenders are really evaluating: 1. Credit score — but it's rarely a hard cutoff Higher FICO = more options and better terms. But some loan types qualify below 700 on qualifying deals. 2. The property's income (for rentals) DSCR loans qualify on what the property earns, not your personal income. If the rent covers the debt, that matters more than your W-2. 3.
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