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Long-Term Financing
DSCR Rental Loans
Long-term financing for rental property investors. Finance a Single Investment Property or Portfolio for new Purchase, Refinance rate and term or take cash out.
No personal income verification
Purchase, refinance, or cash-out
Up to 80% LTV
STR and LTR Considered
Interest-only available
Foreign nationals eligible
Program Highlights
Loan Amounts$100K - $3.5M
Min. DSCRAs low as 0.50
Loan Terms15, 30, 40-Year
Property TypesSFR, Condo, Townhomes, 2-4, 5-9
Foreign NationalsEligible ✓
Program Details
Choose a Program
We offer multiple DSCR programs to fit any investment strategy and property type.
Professional Investor - Multifamily / Mixed-Use Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible Collateral5-10 Units; 2-8 Units Mixed-Use (exceptions: > 2 acres; rural)
Loan Amount$400k - $3M
Loan Term15, 30-Yr Fixed; 30-Yr IO; 5, 7, 10-Yr ARM; 5, 7, 10-Yr ARM IO (30-Yr)
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesIL, NY, NV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR1.10
Reserve Requirement6 - 12 months, see matrix for details (cash out may NOT be used for reserves)
Housing History0x30x24
Short-Term RentalNot Permitted
Professional Investor - Blanket Loan Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible Collateral1-4 Unit, Condo, Condotel (exceptions: > 2 acres; rural)
Loan Amount$400k - $3M
Loan TermFixed: 15, 30 yrs; ARM: 5/6, 7/6, 10/6
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis); IL, NY: 2-4 Units Ineligible
Minimum DSCRMin. Property DSCR: ≥ 1.0 full AM or ≥ 1.2 I/O
Reserve Requirement2 - 12 months, see matrix for details (cash out may be used for reserves)
Housing History0x60x12
Short-Term RentalNot Permitted
Cash Flow Advantage Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible CollateralSFR, 1-4 Units, PUD, Condo, Non-Warrantable Condo, Rural (Inquire about eligibility for DSCR up to 10 acres)
Loan Amount$500k - $2M
Loan Term30-Yr Fixed; IO (10-Yr IO, 20-Yr full AM); 40-Yr Fixed IO (10-Yr IO, 30-Yr full AM)
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR1.00 Purchase, R/T; 1.10 Cash Out
Reserve Requirement3 - 12 months, see matrix for details (cash out may be used for reserves)
Housing History0x30x12
Investor Advantage Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible CollateralSFR, 1-4 Units, PUD, Condo, Non-Warrantable Condo, Condotel, Rural (Inquire about eligibility for DSCR up to 20 acres)
Loan Amount$150k - $3.5M
Loan TermFixed Rate: 30, 40-Yr (IO Only); ARM: 5/6, 7/6
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR0.50 (see guidelines for details)
Reserve Requirement3 - 12 months, see matrix for details (cash out may be used for reserves)
Eligible Borrowers/GuarantorsUS Citizen, Permanent Resident, Non-Permanent Resident (75/70: PRT/CO), Foreign National
Ready to Get Started?
Connect with one of our DSCR specialists today and get a personalized quote.
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Regional experts ready to help navigate the financing process with personalized service.
Coverage
Where we lend
State-specific notes on investor programs and availability. Visit a state page for more detail.