By Debbie Balfour | WBN News | May 5, 2025

Think perfect credit is your golden ticket to real estate investing? Think again. The truth is, many successful investors started with less-than-stellar credit scores—and still crushed it. How? By using smart, alternative strategies that bypass traditional bank financing altogether.

Let’s start with joint ventures. Teaming up with someone who has strong credit or capital can open doors. You bring the hustle, they bring the funds or credit profile. It’s a win-win. Profit-sharing agreements can seal the deal and help you both build wealth together.

Seller financing is another powerful play. In this arrangement, the property owner acts as the bank, allowing you to pay in installments over time. This tactic not only avoids bank loans but also gives you negotiation room on down payments and interest rates.

Partnerships are also gold. Aligning with investors or capital partners who believe in your vision can get you into the game faster than waiting for your credit score to rebound. Whether you handle the management or rehab while your partner funds the deal, there’s a way in if you get creative.

Bottom line: You don’t need perfect credit—you need perfect strategy. The real estate game rewards knowledge, persistence, and problem-solving more than a number on your credit report. Shift your mindset and start looking for opportunities, not obstacles.

Debbie Balfour | Real Estate Investing Success Coach + Podcast Host
📍 Website: www.DebbieBalfour.com
📧 Email: Debbie@DebbieBalfour.com
🔗 LinkedIn: Debbie Balfour
▶️ YouTube Channel: youtube.com/@DebbieBalfour

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