09/17/2026
Bad credit does not block you from buying real estate. It blocks you from getting a bank loan.
Those are two different problems.
A seller carrying their own financing does not pull your credit score. They care if you pay on time and communicate well.
A subto deal does not check your credit at all. The existing loan stays exactly where it is.
The myth: no credit, no deals.
The reality: no credit, fewer paths. Creative financing is still open.
Stop waiting on your score to move. Start learning the structures built without it.