Investor

Flexible Terms & Qualifying Standards.

Our Investor product offers potential borrowers rates closer to prime than traditional hard money loans. Borrowers can qualify with flexible terms, including using rental property cash flow or debt service coverage ratio (DSCR), for example. No income qualifying is required. The Investor mortgage is ideal for borrowers who don’t want to provide personal income documentation, or are unable to qualify using traditional debt-to-income ratios.

Program Highlights

  • DSCR qualified off IO payment
  • Listed for sale – Cash Out OK min 1yr PPP*
  • Vest in LLC
  • Up to 80% LTV to $1.5M
  • Up to 75% LTV for cash-out
  • 2-4 units up to 80% LTV; condos up to 75% LTV
  • DSCR as low as .75
  • Up to $2 million loan amounts
  • Min FICO 660
  • 0 x 30 x 12
  • 3+ years credit event OK
  • Reserves from 3 months
  • Cash-out can be used as reserves
  • Asset seasoning: 1 month
  • Gift funds/Gift of Equity OK
  • Interest-only payments available to 80% LTV
  • Short-term rental income permitted
  • AirDNA permitted on purchase
  • First-time investor OK
  • Delayed Financing = Rate/Term
  • Crypto allowed if converted to US dollar
  • Non-warrantable condos permitted

*Must be taken off market prior to application.

Price out a loan scenario.