40-Year Term for DSCR Loans
  • Loan Terms: Long-term 30- and 40-year fixed rates with interest-only (I/O) options.
  • Loan Amounts: 75,000 to 10 million.
  • Loan-to-Value (LTV):
    • 75% LTV for purchases.
    • 70% LTV for cash-out refinances.
    • Up to 80% LTV for investment properties (1–4 units, Airbnb, VRBO).
  • Credit Requirements: Minimum 575 FICO score.
  • Borrowing Entities: LLC and corporate closings available.
  • Qualification: Based on 12 months of cash flow.
  • Property Types: Non-owner-occupied only (rural and manufactured homes eligible).
  • First-Time Buyers: First-time investors and homeowners welcome.
  • DSCR Options: Positive DSCR, negative DSCR (down to -0.75), and no ratio DSCR available.
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