Most people use their credit score to borrow money. A few use it to *earn* money. That difference is worth $10,000 to $100,000.
What Is a Credit Partnership?
A real estate credit partnership is simple: a company like QVA Holdings refinances an income-producing property using a DSCR loan — a loan qualified on the property's rental income, not anyone's personal salary. Your 740+ credit score is added to the application, unlocking a lower interest rate. The savings are shared with you at closing as a lump-sum payout.
No cash investment. No monthly payments. No property management.
How Your Credit Score Creates Value
On a $500,000 property, a 1% rate improvement saves roughly $5,000 per year — over $150,000 across the life of the loan. That's real money, and sharing a portion of it with you still makes strong financial sense for both sides.
Why This Isn't Like Co-Signing for a Friend
Three things make a credit partnership fundamentally different from a personal co-sign:
Non-Recourse Protection. The lender can only pursue the property in a default — never your personal assets.
Separate LLC. The loan lives inside a legal entity, creating a firewall between the deal and your finances.
No Income Exposure. Because DSCR loans qualify on cash flow, your debt-to-income ratio is unaffected.
What You Actually Do
You provide your credit information, review the partnership agreement, sign at closing (often virtually), and receive your payout. The process takes 30–60 days. You don't manage anything.
Who Qualifies?
You need a 740+ credit score, a clean credit history, U.S. residency, and a willingness to co-sign on a non-recourse DSCR loan. If that's you, your credit score is already an untapped income source.
