{"id":747,"date":"2025-02-05T12:03:47","date_gmt":"2025-02-05T12:03:47","guid":{"rendered":"https:\/\/nysck.com\/DSCRMortgages.com\/?page_id=747"},"modified":"2025-02-20T10:29:37","modified_gmt":"2025-02-20T10:29:37","slug":"40-year-term-for-dscr-loans","status":"publish","type":"page","link":"https:\/\/nysck.com\/DSCRMortgages.com\/40-year-term-for-dscr-loans\/","title":{"rendered":"40-Year Term for DSCR Loans"},"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; locked=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<ul>\n<li><strong style=\"color: #000;\">Loan Terms:<\/strong> Long-term 30- and 40-year fixed rates with interest-only (I\/O) options.<\/li>\n<li><strong style=\"color: #000;\">Loan Amounts:<\/strong> 75,000 to 10 million.<\/li>\n<li><strong style=\"color: #000;\">Loan-to-Value (LTV):<\/strong>\n<ul>\n<li>75% LTV for purchases.<\/li>\n<li>70% LTV for cash-out refinances.<\/li>\n<li>Up to 80% LTV for investment properties (1\u20134 units, Airbnb, VRBO).<\/li>\n<\/ul>\n<\/li>\n<li><strong style=\"color: #000;\">Credit Requirements:<\/strong> Minimum 575 FICO score.<\/li>\n<li><strong style=\"color: #000;\">Borrowing Entities:<\/strong> LLC and corporate closings available.<\/li>\n<li><strong style=\"color: #000;\">Qualification:<\/strong> Based on 12 months of cash flow.<\/li>\n<li><strong style=\"color: #000;\">Property Types:<\/strong> Non-owner-occupied only (rural and manufactured homes eligible).<\/li>\n<li><strong style=\"color: #000;\">First-Time Buyers:<\/strong> First-time investors and homeowners welcome.<\/li>\n<li><strong style=\"color: #000;\">DSCR Options:<\/strong> Positive DSCR, negative DSCR (down to -0.75), and no ratio DSCR available.\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;]<\/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. 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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Qualification: Based [&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":"[et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.27.4\" _module_preset=\"default\" background_color=\"rgba(38,31,72,0.7)\" background_image=\"https:\/\/nysck.com\/DSCRMortgages.com\/wp-content\/uploads\/2025\/01\/banner-01-Copy.jpg\" background_blend=\"overlay\" custom_padding=\"80px||80px||false|false\" custom_padding_tablet=\"80px||80px||false|false\" custom_padding_phone=\"40px||40px||false|false\" locked=\"off\" collapsed=\"off\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.21.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.21.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.21.0\" _dynamic_attributes=\"content\" _module_preset=\"default\" text_font=\"Plus Jakarta Sans|700|||||||\" text_text_color=\"#FFFFFF\" text_font_size=\"48px\" text_line_height=\"1.2em\" text_orientation=\"center\" hover_enabled=\"0\" text_font_size_tablet=\"30px\" text_font_size_phone=\"24px\" text_font_size_last_edited=\"on|phone\" global_colors_info=\"{}\" sticky_enabled=\"0\"]@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"off|desktop\" _builder_version=\"4.21.0\" _module_preset=\"default\" custom_padding=\"||||false|false\" custom_padding_tablet=\"||||false|false\" custom_padding_phone=\"||||false|false\" locked=\"off\" collapsed=\"off\" global_colors_info=\"{}\"][et_pb_row column_structure=\"2_3,1_3\" use_custom_gutter=\"on\" gutter_width=\"2\" make_equal=\"on\" _builder_version=\"4.21.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_column type=\"2_3\" _builder_version=\"4.21.0\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.21.0\" _module_preset=\"default\" text_font=\"Plus Jakarta Sans||||||||\" text_font_size=\"16px\" text_line_height=\"1.6em\" text_orientation=\"justified\" hover_enabled=\"0\" global_colors_info=\"{}\" sticky_enabled=\"0\"]Lorem Ipsum is simply dummy text of the printing and typesetting industry. 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