Grow Your Portfolio with DSCR Loans

Whether you’re financing multi-family units, commercial properties, or single-family rentals, our DSCR loans provide the flexibility and competitive rates you need to grow your real estate portfolio!

Perfect for real estate investors who want to leverage rental income to secure financing. You don’t need to worry about personal income or credit scores. Instead, we focus on your property’s cash flow and its ability to cover the loan payments.

 Asset Types

• Single Family Homes
• Townhomes
• Condos
• 2 - 4 Units (Duplex, Triplex, Quadplex)
• Multi-Family: 5 - 8 Units
• Mixed-Use: 2 - 8 Units
• Multi-Family: 9+ Unit

Loan Terms

Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)

Purchase LTV: Up to 85%

Rate & Term Refinance LTV: Up to 80% 

Cash Out Refinance LTV: Up to 80%

Amortization: 30 Year % 40 Year Amortization Options Available

Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed

Floor Rate: 5.50% (subject to change daily due to market volatility)

Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)

DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.

Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.

Average Time to Close: 14 to 35 days