Purchasing a Property as DSCR

While certain lenders insist on a ratio exceeding 1.0, indicating rental income surpasses debt obligations, our flexibility allows for ratios as low as 0.75. This means rental income can be just 75% of debt obligations. Additionally, we provide a No-Ratio DSCR program, eliminating the need for debt service ratio calculations, and offering straightforward, no-income verification.

• 85% Max LTV
• Non-warrantable condo option up to 75% LTV
• 1-4 unit
• 5-48 multi-family units
• Attached/detached
• PUD
• Leaseholds
• Condos and Co-Ops
• Legal and legal non-conforming use permitted
• Underwriting decision is based on the debt of the property, not individual debt
• Business entity can be the borrower, or a business guaranteed by principals who have a valid social security number, are a U.S. Citizen, or are lawfully present in the United States per Residency and Eligibility guidelines
• Business purpose only
• Borrowers who want the security of a 30-year fixed-rate term
• Minimum loan amount of 100k with a maximum of $5 million for 1 unit property
• All investor experience levels permitted
• Prepayment penalty options are available

We possess unparalleled expertise in these loan products. As a relatively recent addition to lending, you need a company with a proven track record, and we’ve assisted countless borrowers in securing the best DSCR deals. Our lending area covers 46 states, ensuring we can assist with rental properties nationwide.