I was pre-approved for this loan with 90% approval odds. I knew when applying that pre-approved did not necessarily mean a guarantee, but the 90% made me finally take the offer and apply after researching loans for months. Well, I was immediately turned down. It has been a year with Fix and Flip Loans. I made sure to work on my credit for a year to be able to get better offers, but I guess that didn't show with this lending company. For example, in May 2020 my score was 595 and by July 2020 it was 680. It has dropped a little because my credit card balances grew, but that was the whole reason I applied. Super let down. I hope this helps.