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No Ratio DSCR Loan

The DSCR mortgage loan program is a powerful tool for investors to achieve their short term and long term investment objectives. With credit score requirements starting as low as 600 and a maximum loan-to-value (LTV) of 85%, this program offers flexibility and accessibility. Loans range from $200,000 to $3,500,000.

Investor Income Documentation Does Not Apply

Notably, personal income verification isn’t required, and cash-out options can be used for any reserve requirements.

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    1099 Only Lite Doc Income Documentation Bank Statement Loan | 660 Credit Score – 90% LTV to $1,500,000 * 1-Year Income and Employment Verification Documentation, Asset Utilization * Form 4506-T and 4506-C is Required – One Year * Tax Return is Required – One Year for Lite Doc Minimum Credit Scores: * 600 for the…

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  • 3 Month Bank Statement Loan – Prime Alternative Doc

    3 Month Non-Prime Bank Statement Mortgage Loan Program We offer a flexible 3-month bank statement program as an alternative to traditional 6-, 12-, or 24-month options. For borrowers with a 700+ credit score, we also provide 1-month and 2-month options. Accepted Income Combinations: First-Time Homebuyers: Asset Depletion Program For borrowers with strong liquid assets and…

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  • Alt Doc Fixed Term Second Mortgage

    Alternative Income Second Mortgage Non-QM lender offers a closed-end, fixed-rate structure tailored for the needs of self-employed individuals and real estate investors. With a minimum FICO score requirement of 640 or above, it provides an avenue for these borrowers to access financing with confidence No Income Documentation or Employment Verification Access loan amounts up to…

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  • Bank Statement Second Mortgage Loans

    Second mortgage bank statement loans are crucial for self-employed individuals who may not qualify for traditional loans due to irregular income or complex tax returns, etc. These programs allow borrowers to use bank statements instead of tax returns to verify income, making it easier to access home equity. Lenders offering these loans provide reasonable qualification…

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DSCR Mortgage Loan Program Highlights:

Credit Score: Minimum required credit score is 600

Loan-to-Value (LTV) Ratio: Maximum LTV is 85%

Loan Amount: The loan must be between $200,000 and $3,000,000

Income Verification: Personal income is not required to qualify

First-time homebuyers OK, 75% max LTV.

Cash-out funds can be used as reserves

No Ratio Option: There is a no ratio option available, which means debt service coverage ratio (DSCR) requirements can be waived.

This special DSCR mortgage loan program serves the needs of investors without existing experience in property ownership.

Non-Owner-Occupied Only

Alternative Income Documentation

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Non-Qualified Mortgage Lending