DSCR Program
A flexible financing solution for real estate investors who want to qualify based on property cash flow instead of personal income or employment documentation.
Program Overview
The DSCR Program is built for investors who want a simpler path to financing using the subject property’s rental income potential instead of traditional personal income documentation. It is designed to support both long term and short term rental strategies with flexible property and borrower options.
Program Features
Loan amounts available up to $6 million.
Up to 75% to 80% CLTV for qualifying scenarios.
Short-term rentals allowed up to 80% CLTV.
30 and 40 year fixed options available.
5/6 and 7/6 ARM terms also available.
No income or employment verification required, with DSCR as low as 0 and minimum 640 FICO.
Why Choose This Program?
Built specifically for real estate investors focused on property cash flow.
Helps eliminate the need for traditional income and employment documentation.
Supports short-term rental strategies for qualifying properties.
Allows mixed-use and 5 to 8 unit multi-family properties.
Eligible for non-permanent residents and foreign nationals under the Foreign National DSCR program.
Gift funds are allowed, and condotels are also eligible.
Who This Program Is Great For?
Real estate investors buying or refinancing income-producing properties.
Borrowers who want to qualify without personal income or employment verification.
Investors pursuing short-term rental opportunities.
Clients interested in mixed-use, condotel, or 5 to 8 unit multi-family properties.
Foreign nationals and non-permanent residents using eligible DSCR options.
Investors looking for flexible fixed or ARM term options.
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