A real estate credit partnership is an arrangement where your excellent credit score helps a real estate company secure better financing — and they pay you for it. No cash. No debt. No property management.
How It Works
Step 1. QVA Holdings owns an income-producing property and initiates a DSCR refinance.
Step 2. Your 740+ credit score is added to the loan application, improving the interest rate.
Step 3. The lower rate generates real, quantifiable savings at closing.
Step 4. You receive a lump-sum payout of $15,000–$100,000. That's your share.
The Protection Structure
Non-Recourse Loans. Lenders can only pursue the property in a default — never your personal assets.
Separate LLC. Each deal lives inside its own legal entity, creating a firewall around your finances.
Formal Agreement. Your payout, timeline, and all protections are documented in writing before you commit.
Who It's For
Credit partnerships work best for people with 740+ scores, clean credit history, and no immediate need for liquidity. You don't need cash, real estate experience, or a high income. You need good credit and the patience to wait 30–60 days for closing.
Who It's Not For
If your score is below 740, you have recent derogatory marks, or you're uncomfortable with co-signing even under non-recourse protection, this isn't the right fit — yet. Fix your credit first, then apply.
Common Misconceptions
*"I'll have to repay the payout."* No. It's a profit share, not a loan.
*"It will hurt my credit."* The loan is held in an LLC, not as a personal liability.
*"It sounds too good to be true."* The math is straightforward: better credit = lower rates = real savings. You get a share of those savings.
