DSCR LOANS
A DSCR loan is a type of commercial real estate loan that uses the Debt Service Coverage Ratio (DSCR) as a key criterion for approval. The DSCR measures a property's ability to generate enough income to cover its debt obligations.
NO/LOW RATIO OPTIMAL DSCR LOANS
Loan Amount
Up to $3.5 Million
LTV
Up to 70% (based on property type and borrower qualifications).
Terms
Interest Rates
Closing Time
Prepayment Penalty
Property Types
Geographic Coverage
30-year fixed or 5/7/10-year ARMs
Competitive rates starting at 8.5% - 9.9%
Fast closings within 10 to 21 days
3-year prepayment options available
Single-family residences (SFR), Multifamily (2-4 units), Commercial properties, Mixed-use properties
Available in all 50 states
OPTIMAL DSCR LOANS
Minimum Credit Score
Loan Amount
LTV (Loan-to-Value)
Loan Amount
Appraisals
No ratio programs
Eligible Borrowers
Property Types
Geographic Coverage
Flexible Underwriting
Fast Approval Process
Experienced Team
First-Time Investors and Foreign Nationals
Flexible Fee Adjustments
Dedicated Support
Submit Your Deal
Quick Decision
Close the Deal
640
$300,000 to $3.5 million
75% LTV: With a 660 FICO score
80% LTV: With a 700 FICO score
$300,000 to $3.5 million
Only 1 appraisal required for loans up to $2 million
Available for properties that may not meet traditional DSCR standards
No Source or Seasoning of Funds Required
First-time investors and foreign nationals welcome
Residential, Multifamily, Commercial, Mixed-use
Available in all 50 states
Customizable loan structures to fit the unique requirements of each investor.
Quick and efficient loan approval process with decisions typically within 24-48 hours.
Benefit from our 15 years of expertise in private and hard money lending, ensuring a smooth and successful loan process.
Special programs tailored to support new investors and foreign nationals with no US credit history
Willing to reduce fees to ensure the deal works for all parties.
Receive personalized assistance and prompt responses on all deal submissions.
Send over your deal submission for any lending requests
After running the deal through our portal, we will promptly tell you "yes" or "no."
Once approved, we strive to close loans within 10 to 21 days.