DSCR Loans / Rental Loans

Debt Service Coverage Ratio of 1.00x - 1.25+x

• 80% LTV Purchase Financing 
• 80% LTV Rate & Term Refinance
• 75% LTV Refinance Cash Out
• Min Loan Amount $100,000 - $4,000,000
• Minimum FICO score required of 660
• Below 660 is case-by-case
• ARMs And Interest Only Available 
• Min $75,000 per door

Debt Service Coverage Ratio of <0.75x

• 75% LTV Purchase Financing 
• 70% LTV Refinance Cash Out
• Min Loan Amount $100,000 - $4,000,000
• Minimum FICO score required of 660
• Min $75,000 per door

Bank Statement Loan Alternative to DSCR:

• 80% LTV Purchasing Financing
• 75% LTV Refinance Cash Out
• Min Loan Amount $100,000 - $3,000,000
• Minimum FICO score required of 600

Delayed Financing a Loan Alternative to DSCR:

• Refinance within 6 months of purchasing an investment property in all cash. 
• Investment 75% LTV
• Fannie Mae Rates 
• 660 Min FICO
• Quick Closing 15 days

A “Rental Investment” loan is a long-term loan used to purchase or refinance the property with the intent to hold it for at least 3+ years to profit from the cash flow from the property and future appreciation. A Rental Investment loan is a great fit in the following situations:

1. When the property does not need renovations.
2. When you are looking to pay off a bridge loan that was used to renovate the property.
3. When the property is stabilized, leased up, or generating any income.
4. When you want a long-term financing solution on a rental investment property.