Loan purpose
- Acquire a property (purchase)
- Change rate or term without taking cash out (rate/term refinance)
- Tap equity while replacing the loan (cash-out refinance)
Programs
DSCR 30 Year Mortgage
Here’s the idea: we don’t lean on stacks of income paperwork. If the rental math works, real estate investors can finance purchases or refinances with a cleaner, faster path.
Quick highlights
Snapshot of limits and requirements. Figures match program guidelines-your officer confirms overlays.
Loan amount
Financing available up to $2 million
LTV
Borrow up to 80% LTV
Credit score
660 floor
Min. DSCR
None
Borrower focus
Investors · non-owner-occupied
Program guidelines
Loan term
- 30-year fixed-rate option
- 5/6 ARM
- 3/6 ARM
- Liquidity check: 3 months of PITIA reserves required
Loan amount
- Maximum loan size under this program: up to $2 million
Loan to value (LTV)
- LTV capped at 80%
Minimum credit score
- 660
Minimum DSCR
- None
Property type
- Collateral must be non-owner-occupied
Eligible property types
- Single-family residence (SFR)
- 2- to 4-unit residential properties
- PUDs
- Condos
- Townhouses
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
- LLCs
Key features & detail
A concise overview of how this DSCR program is typically structured.
- Designed for non-owner-occupied rental property financing.
- Available for purchase, rate/term refinance, and cash-out refinance scenarios.
- Underwriting primarily evaluates property cash flow and rental performance.
- Fixed-rate and ARM options are available, depending on file profile and market terms.
- Documentation, pricing, and final terms vary by borrower qualifications and property characteristics.
Need help choosing the right program?
Speak with our team for guidance tailored to your financing scenario.