1-4 unit DSCR Loans

Get a term sheet in 24 hours without having to provide tax returns or a Personal Financial Statement. There is no DTI calculations or painful application.

Debt Service Coverage Ratio Loans

DSCR loans are designed to help investors scale beyond the limitations of Fannie Mae and Freddie Mac.  These programs have zero DTI (debt-to-income) requirements.  Therefore, we won’t need to review tax returns or calculate your personal income.  Instead, we’ll rely on the property’s Debt Service Coverage Ratio (DSCR), FICO, LTV, and liquidity.  These programs favor entity vesting in many cases so we have no issue using your LLC or Corporation as the borrower as long as we have a personal guarantor who owns at least 20% of the entity.  DSCR loans have no cap on the number of financed properties you own where as Fannie Mae, Freddie Mac, and most banks will have limits.

 

  • 30 Year Fixed, 10 Year IO, and even a true 40 year fixed!
  • Cash Out your BRRRR as early as 90 days of title seasoning (unaffected by recent Fannie/Freddie guideline changes!)
  • Up to 75% LTV for Cash Out
  • Up to 80% LTV on Purchases (great for turnkey style purchases)
  • Minimum 680 FICO
  • LLC Vesting
  • No Cap on the # of Rental Properties Owned
  • No DTI Requirements! (no tax returns or proof of personal income)
  • Qualify based on DSCR/FICO
  • Minimum Loan Amount – $75,000
  • Minimum Property Value – $100,000
  • 1-4 Unit Residential Properties

 

Aside from the standard DSCR box for long term rentals that cash flow we also have unique carve outs for deals with negative DSCR, mid term rental friendly products, and even short term rental friendly products (Air BnB)  which will calculate DSCR using Air DNA Data.

 

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We specialize in real estate investment financing.

Unlike big banks we do not require tax returns for investment property loans at the best rate.