DSCR Investor Program

Loan amounts available from $125,000 up to $3 million depending on the qualifying DSCR tier.

Maximum LTV options may be available up to 80% for qualified Kind DSCR scenarios.

Program tiers include Super Kind DSCR Ratio 1.25, Kind DSCR Ratio 1.00, and Low DSCR Ratio below 1.0.

Qualifying ratio is based on gross rent from Form 1007 and lease income.

Cash-out refinance options may be available, with maximum LTV varying by DSCR tier.

Eligible property options may include condos, condotels, non-warrantable condos, and short-term rentals depending on the scenario and tier.

Helps investors qualify using the property’s rental income instead of traditional personal income documentation.

Offers multiple DSCR tiers to support a wider range of investment property scenarios.

May be a strong fit for experienced investors who own or have owned investment property within the required timeframe.

Supports borrowers looking to purchase, refinance, or access cash-out options on qualified investment properties.

Foreign national options may be available with qualifying credit score and LTV requirements.

First-time investor options may be available with required housing history, primary residence ownership, and qualifying credit profile.

Experienced real estate investors who own at least one investment property or have qualifying commercial real estate ownership experience.

Borrowers purchasing or refinancing income-producing rental properties.

Investors who want financing based on rental income and property cash flow.

Qualified first-time investors who meet housing history, ownership, credit score, LTV, and loan amount requirements.

Foreign national borrowers who meet the program’s credit and maximum LTV requirements.

Realtors working with clients interested in rental properties, portfolio growth, or investor-friendly financing options.