DSCR Rental Loans

When it comes to qualifying for a mortgage on an investment property, things can get complicated, especially for borrowers with multiple properties. The DSCR (Investor Cash Flow) option simplifies the qualification process by only considering rental income from the property in question versus the PITIA payment.

  • Income From Market Rent (1007) or Lease Agreements
  • First-Time Investors Allowed
  • Max 85% LTV for Purchase Transactions 1-4 Units up to $1.5M
  • 640 Min FICO
  • Max 80% LTV for Rate/Term and 75% for Cash-Out
  • 15 and 30-Year Fixed or 30- and 40-Year Interest-Only
  • 2/1 Temporary Buydown Allowed
  • DSCR Options: ≥ 1.00, > 0.75 to < 1.00

Contact us now for access to our top-notch tools that can assist you in pinpointing opportunities, gaining a deeper understanding of ideal borrower profiles, and explaining the ins and outs of utilizing Debt Service Coverage Ratio (DSCR).

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