Low Credit Does Not Automatically End the Deal
Program 7 is Get Brick Capital's separate low-FICO and no-FICO option. The old FICO tier ladder is no longer the current rule. Qualifying refinances can reach up to 60% LTV for low-FICO or no-FICO borrowers, and qualifying purchases can reach up to 75% LTV.
Program 7 Is Now Structured by Transaction Type
Low FICO or no traditional FICO score can be considered within those transaction limits. The previous 50%, 60%, 70%, and 75% FICO ladder is obsolete.
Program 7 Has No Minimum DSCR Ratio Requirement
Program 7 does not impose a minimum DSCR ratio. That is different from standard low-DSCR options that may go down to 0.75. Full underwriting still applies, including property eligibility, liquidity, reserves, state availability, and other program requirements.
Program 7 Can Reach Up to $10 Million
Qualifying Program 7 loan amounts can reach up to $10,000,000. Other Get Brick Capital programs can have lower maximum loan amounts, so the $10 million limit should be treated as a Program 7 feature rather than a universal maximum on every program.
Program 7 Pricing Is Materially Higher
We do not publish a fixed Program 7 rate because wholesale pricing changes with the market and the file. The important structural point is that Program 7 is a higher-cost option. It is designed to create a financing path when credit or DSCR would otherwise eliminate standard choices, not to compete with standard-credit pricing.
Do Not Combine Program 7 With Program 3's 80% Tier
Program 3's select-state 80% cash-out tier requires 680+ FICO. Program 7 is a separate low/no-FICO and no-minimum-DSCR path, with qualifying refinances capped at up to 60% LTV. These are separate capital-partner structures.
State Availability Is Narrower Than GBC's Overall Footprint
Get Brick Capital services 46 states overall. Program 7 is effectively available through Get Brick Capital in 44 states and is unavailable in Minnesota, North Dakota, South Dakota, Montana, Utah, and Vermont.
See the Actual Program 7 Options
Send the property, value, rent, payoff, transaction type, and approximate FICO. We will tell you which wholesale program paths fit.
Get a Quote →The Bottom Line
Program 7 can create a real financing path for low-FICO, no-FICO, or weak-DSCR scenarios. Qualifying purchases can reach up to 75% LTV, refinances up to 60% LTV, there is no minimum DSCR ratio requirement, and qualifying loans can reach up to $10 million. Read the Program 7 guide or the cash-out refinance hub for the full structure.