DSCR LOAN PROGRAM:

The DSCR Loan Program is designed for real estate investors, letting them qualify based on the cash flow generated by the property rather than personal income. This makes it easier to invest in more properties without needing to meet traditional income requirements.

  • Min Credit Score: 640
  • No Employment Information Required
  • Ratings Required: Housing History & Investor’s Primary Residence
  • Max Cash Out: $500k
  • Max Loan Amount: $2M
  • Rents From 107 or 216 (Actual Rents for Refinance Transaction Allowed)
  • Citizenship: U.S., Permanent Resident Alien, NPRA, Foreign National

BANK STATEMENT LOANS:

A Bank Statement Loan is a flexible mortgage option designed for self-employed individuals or business owners who may have difficulty qualifying for traditional loans due to irregular income. Instead of relying on W-2s or tax returns, lenders evaluate your ability to repay based on your bank statements, typically reviewing the past 12 months of deposits.

  • FICO as low as 575
  • No Mortgage Insurance
  • Self-Employed and 1099 Borrowers
  • Loan amounts up to $4M
  • Max 90% LTV Purchase