A debt service coverage (DSCR) loan is one that qualifies borrowers through an investment property’s cash flow rather than the borrower’s income. DSCR loans — also known as investor cash flow loans — are frequently used by real estate investors to qualify for mortgages and buy investment properties.

LTV up to 80% for Purchase and R/T Refi and 70% for Cash-Out Refi

Available for 5-8 Unit Properties with LTV up to 70%

Close multiple loans for the same investor at the same time

No limit on the number of properties owned and can finance up to 10 properties for 1 investor

Industry-leading funding times

No limit on the number of properties owned and can finance up to 10 properties for 1 investor

Qualify on Interest Only Payments – Excellent for qualification and cashflow purposes, particularly with our 10-Year IO period on our 40-Year Term program

Non-Warrantable condos and Condotels allowed (up to 70% LTV)

FICO as low as 640

Rate buy-down feature available

Investor Cash Flow Loan (DSCR) Allows Property Investors To Grow Their Real Estate Portfolios.

No income or employment information required

Short-term rentals and VRBOs allowed

Properties can be in LLC's name

No limit on number of properties

40 year fixed interest-only available

Non-warrantable condos allowed

Purchase, cash-out or rate-term refinance