Rental / DSCR Loans
Fully-amortizing and interest-only options for stabilized 1–4 unit rentals, qualified on property cash flow (DSCR) rather than personal income.
Tell us about the property
We lend in most states across the country.
Eligible properties
- Single family residence
- 2–4 unit multifamily
- Condominiums
- Townhomes
- Planned unit developments (PUD)
Not eligible
- 5+ unit multifamily
- Mixed-use properties
- Condotels / Co-ops
- Mobile / manufactured housing
- Commercial property
Good to know
Maximum total points (broker + lender) is 5; broker points must be ≤ lender points.
No minimum interest earned — no prepayment penalty.
US citizens, green-card holders, and qualifying foreign nationals borrowing through an LLC or corporation.
Guarantor net worth of at least 10% of the loan amount.
Required above $500K in NJ/NY, above $2M in CA/HI, and above $1M in all other states.
Applications under the program FICO minimum aren't auto-declined — they're flagged for manual review.
Why investors choose this program
Up to 80% LTV purchase
Qualify on cash flow (1.05 min DSCR)
$75k–$2M
30-yr fixed & ARM options