Music and Lyrics
"If You Had My Love" is a mid-tempo pop song, with a length of four minutes and twenty-five seconds (4:25). The song was written by Rodney Jerkins, La Shawn Daniels and Cory Rooney; Rodney Jerkins also served as producer. According to the digital music sheet published at musicnotes.com, the song is written in the key of B♭ minor. The instrumentation of "If You Had My Love" consists of a piano and guitar. Lopez's vocals in the song span from the lower note of A♯3 to the higher note of E♯5.
Lyrically, the song is about Lopez confronting her admirer with a number of ground rules before they begin their relationship. The song's opening lines consist of Lopez saying "Now if I gave you me, this is how it's got to be/ First of all I won't take you cheatin' on me/ Tell me who can I trust if I can't trust in you/ And I refuse to let you play me for a fool." In the chorus of the song, Lopez sings the "lusty-leery" lyrics "If you had my love/ And I gave you all my trust... Would you lie to me/ And call me baby?" Vibe magazine describes the song as "sweet", stating that it is upbeat and contains strong vocals. Allmusic lyrically described it as "insistent", calling the sound fiery and soulful.
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