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5 Ways to Buy Investment Property in Orange County When You Have Bad Credit

Bad credit doesn’t have to derail efforts towards building passive retirement for your income through real estate investments. While conventional lenders may turn you away over your past transgressions, they are not the only option available for funding investment property. While the perfect scenario would be to repair your credit issues and then gain financing on your own at lower interest through conventional methods, this could take years. The sooner you invest, the sooner you can increase your current cash flow and the more your long-term returns will be. 

Read on to discover five ways to buy investment property in Orange County when you have bad credit.

Partner Up 

Networking, gathering with like-minded Real Estate Investors allows you to begin building Connections in the real estate industry. Having a support team around you that you can rely on is imperative to success as an investor. By spending time getting to know other investors, you can find someone you click with and offer a partnership, bringing the skills you have to contribute to the table, with their financial backing to buy investment property in Orange County when you have bad credit. 

Private Loan 

A private loan is a secured contract or a mortgage created by a private individual that may be a friend or family member or by an investment firm that will allow you to buy investment property in Orange County when you have bad credit. Because of the risk, they can charge you a higher interest rate, though there are limits in place setting a maximum amount allowed. The lender will benefit from helping you through the passive income they will earn on your repayment of the principle and the interest over the life of the loan. 

Borrow from Family 

Family is often ready to help you buy investment property in Orange County when you have bad credit because they understand that an investment for a more extended period allows it to earn higher passive income. Providing for a better life quality during your retirement years is their desire on your behalf. 

While handshake agreements among families are often acceptable, it is wise in such a financial matter of import to have the loan secured by a promissory note to avoid any possible issues down the road. Typically these loans carry a much lower interest rate than you would otherwise be able to qualify for, with a poor credit score. The IRS has set a minimum on the amount of interest that The IRS will impute upon the lender if they do not charge interest to you on loan.

Sell Other Assets

It may be time to trade in your treasured collection of baseball cards to buy investment property in Orange County when you have bad credit. If you don’t happen to have a valuable collection or a vintage car to trade in for investment property, you would be amazed at the gems you can find when raising funds. Necessity often forces people to discover just what they have in all those boxes. You may be surprised at the value hidden within what they consider dust collectors sitting in the corner of an attic or basement.

Work with H&M Realty Group

The experienced professionals at H&M Realty Group make it easy to buy investment property in Orange County when you have bad credit. H&M Realty Group has inventory available, and private lenders are looking to work with people who can find deals with high returns. Working with H&M Realty Group means you can still purchase investment property no matter your credit score. At H&M Realty Group, we are happy to answer any questions or concerns you have with no obligation. Just call H&M Realty Group at 949-625-4533 or send us a message today! 


Broker/Realtor/Investor/Mentor (41 years experience) Specialties: Buyer's Agent, Listing Agent, Foreclosure, Short-Sale, Property Management, Landlord I'm a Full Time Real Estate Professional, house flipper and mentor to many of my clients. I am here to help you get top dollar for your home or get you the best price for a home that you are going to live in. I have over 40 years of real estate experience for you to draw on and actively list and sell over 20 homes a year. I have sold over 600+ homes in the last ten years alone. I am a very skillful negotiator and will work diligently to help you realize the best possible price when buying or selling your home. With my Exclusive Home Acquisition & Sales System, I can find the Right Home for You! I have access to homes no other Realtor will show you. I can show you how to save an average of $10,000.00 on the purchase price. We will find a home that fits your needs, in a neighborhood that suits your style. If you are selling your home then I can bring all the professionals to you. I always include professional photos in ALL my listings. I have contractors standing by to assist with those upgrades if needed. I can also quickly get you ALL CASH offers for your home if you desire. My marketing surpasses all other agents. It begins with extensive internet advertising to hundreds of websites throughout the world. I do direct mail marketing for you home and also knock on doors in your neighborhood when I am holding an open house. I hold you home open to expose it to as many buyers as possible. My Exclusive program is designed to sell your home for Top Dollar in Any market. I am an experienced flipper here in Orange County and therefore can offer you my over 40 years of real estate experience. The information is available to you at no charge! If you like what you see, please call me and setup Your Free Consultation.

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