{"id":699,"date":"2025-02-05T11:32:34","date_gmt":"2025-02-05T11:32:34","guid":{"rendered":"https:\/\/nysck.com\/DSCRMortgages.com\/?page_id=699"},"modified":"2025-02-20T09:30:27","modified_gmt":"2025-02-20T09:30:27","slug":"85-ltv-for-purchase","status":"publish","type":"page","link":"https:\/\/nysck.com\/DSCRMortgages.com\/85-ltv-for-purchase\/","title":{"rendered":"85% LTV for Purchase"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;rgba(38,31,72,0.7)&#8221; background_image=&#8221;https:\/\/nysck.com\/DSCRMortgages.com\/wp-content\/uploads\/2025\/01\/banner-01-Copy.jpg&#8221; background_blend=&#8221;overlay&#8221; custom_padding=&#8221;80px||80px||false|false&#8221; custom_padding_tablet=&#8221;80px||80px||false|false&#8221; custom_padding_phone=&#8221;40px||40px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _dynamic_attributes=&#8221;content&#8221; _module_preset=&#8221;default&#8221; text_font=&#8221;Plus Jakarta Sans|700|||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;48px&#8221; text_line_height=&#8221;1.2em&#8221; text_orientation=&#8221;center&#8221; text_font_size_tablet=&#8221;30px&#8221; text_font_size_phone=&#8221;24px&#8221; text_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;off|desktop&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||||false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;2_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Plus Jakarta Sans||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;justified&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li><strong style=\"color: #000;\">DSCR Calculation:<\/strong> Gross Income divided by PITIA\/ITIA.<\/li>\n<li><strong style=\"color: #000;\">Max Loan Amount:<\/strong> Up to $3,500,000.<\/li>\n<li><strong style=\"color: #000;\">Eligible Properties:<\/strong> 1\u20134 family properties, condominiums (including non-warrantable condos), and leasehold properties.<\/li>\n<li><strong style=\"color: #000;\">Loan-to-Value (LTV):<\/strong>\n<ul>\n<li>85% LTV for Purchase and Rate &#038; Term Refinance.<\/li>\n<li>75% LTV for Cash-Out Refinance.<\/li>\n<\/ul>\n<\/li>\n<li><strong style=\"color: #000;\">Credit Requirements:<\/strong> Minimum 620 FICO.<\/li>\n<li><strong style=\"color: #000;\">Property Types:<\/strong> Investment properties only (short-term rentals like Airbnb and VRBO are permitted).<\/li>\n<li><strong style=\"color: #000;\">Gift Funds:<\/strong> Allowed for down payment and closing costs.<\/li>\n<li><strong style=\"color: #000;\">Financed Properties:<\/strong> No limit on the number of financed properties.<\/li>\n<li><strong style=\"color: #000;\">Flexible Options:<\/strong> Ideal for investors looking to purchase, refinance, or access equity.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Plus Jakarta Sans||||||||&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.6em&#8221; text_orientation=&#8221;justified&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; disabled_on=&#8221;on|on|on&#8221; disabled=&#8221;on&#8221; sticky_enabled=&#8221;0&#8243;]Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.<\/p>\n<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.<\/p>\n<p>Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry&#8217;s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. 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Max Loan Amount: Up to $3,500,000. Eligible Properties: 1\u20134 family properties, condominiums (including non-warrantable condos), and leasehold properties. Loan-to-Value (LTV): 85% LTV for Purchase and Rate &#038; Term Refinance. 75% LTV for Cash-Out Refinance. Credit Requirements: Minimum 620 FICO. Property Types: Investment properties only (short-term rentals like Airbnb [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":441,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut porttitor semper hendrerit. Phasellus feugiat magna a lacus imperdiet, quis faucibus nunc ornare. Duis maximus eget nunc vel scelerisque. Donec eu libero dignissim, finibus sem eu, lobortis enim. Vestibulum dignissim turpis quis magna eleifend pulvinar. Nunc quis sollicitudin leo. Donec maximus tortor ut vestibulum blandit. 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