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Lenders often approve lower scores if other financial areas are strong:

If traditional government loans aren't viable, consider these non-conventional paths:

Buying real estate with bad credit (typically a FICO score below 580) is possible through specialized government-backed programs and alternative financing strategies.

: Use AnnualCreditReport.com to find and dispute inaccuracies that might be unfairly lowering your score. How To Buy Rental Property With No Money Down In 2026

: Team up with a co-borrower who has stronger credit to reduce lender risk. Ways to Strengthen Your Application