Investment Property Loans

Debt Service Coverage Ratio (DSCR)

Designed for borrowers who want to expand their real-estate investment portfolio. Use cash flow from rental property to qualify, no personal income required.

DSCR LOAN

  • Min. Loan Amount $125K
  • Max Loan Amount $3MM
  • 30 & 40 Yr. I/O Option Available
  • LTVs as High as 80%
  • FICOs as low as 620
  • 2-4 Units
  • Condos OK
  • No W2s, or Tax Returns Collected
  • First Time Investors Allowed
  • Foreign Nationals OK
  • Cash-out can be Used as Reserves
  • Note: First-time homebuyers are NOT eligible for DSCR loans

State license not required in most states. See list of states

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  • No-Ratio DSCR (Gold)
    Min FICO 740

    Max 75% LTV
    Max Loan Amount $1MM
  • No Reserve Requirement (Platinum)
    DSCR 1.0+
    ≤ 70% LTV
    Max Loan Amount $1.5MM
  • Maximize Your Cash-out (Titanium & Gold)
    DSCR 1.00+
    LTV/CLTV ≤ 70%

rentometer

See historical rental trends for any given area. A custom rent analysis will be emailed to you directly by clicking on the button below and completing the form.

DSCR Calculator

Calculate the debt service coverage ratio for investment property loans.

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DSCR Loans

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BUSINESS PURPOSE LOANS

No NMLS License Required in these States!

Alabama
Arkansas
Colorado
Connecticut
District of Columbia
Delaware
Florida*
Georgia*
Illinois
Indiana
Kansas*

 

Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
Missouri
New Jersey
New Hampshire
New Mexico
New York

Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
West Virginia
Wisconsin
Wyoming

*Borrower must be a LLC or Corp.