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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.

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