No Ratio

No Ratio DSCR

• No Stated Income
• No DSCR Ratio Available
• 1st Time Investor Available
• Short Term Rentals Allowed
• 1-8 Units Residential
• 2-8 Units Mixed Use
• Vacant Properties OK
• No W-2s, paystubs, or tax returns are required
• Purchases or Refinances
• Min credit score 620
• No major credit events in the last 3 years
• up to 80% LTV for purchases (depending on credit, loan amount, and DSCR ratio)
• DSCR down to 0.85 (for experienced investors otherwise, DSCR greater or equal to 1.0)
• First-time investors permitted
• Investment properties only (cannot be owner-occupied)
• Close in individual name, LLC or Corp.
• 30 yr fixed or ARMs
• 1-4 Unit, Warrantable, and Non-Warrantable Condos (max LTV varies based upon property type).
• DSCR financing for 5+ units available under a different program (contact me for details).