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Direct to Investor Lending
DSCR
INVESTOR LOANS
INTEREST-ONLY & JUMBO LOANS SPECIALISTS
Forget about complex requirements. There’s no need for income verification, tax returns, or financial statements. All you need is a credit check and either a down payment or refi equity. Experience stress-free financing today!
No appointments necessary
Mortgage Bankers hours 8am-5pm (PT)
Contact Mortgage Banker
QUICK RESPONSE FORM
No cost. No obligation.
Direct to Investor Lender
DSCR
INVESTOR LOANS
INTEREST-ONLY &
JUMBO LOAN EXPERTS
Forget about complex requirements. There’s no need for income verification, tax returns, or financial statements. All you need is a credit check and either a down payment or refi equity. Experience stress-free financing today!
No appointments necessary
Mortgage Bankers hours 8am-5pm PDT
DSCR Loans are available in: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Nebraska, New Hampshire, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming
DSCR Loans are available in the following states: AL AK AZ CA CO CT DE DC FL GA HI ID IN IA KY LA ME MD MA MO NE NH OK OR SC SD TN TX VA WA WV WI WY
Got 80 seconds? Watch our DSCR video!
Got 80 seconds?
Watch our DSCR video!
CASH-OUT REFINANCE
Turn Rental Property Equity Into Cash
Multiply Your Assets with DSCR Loans
Increase your buying power and get quick access to capital. Take advantage of passive income as well as existing equity in a rental property to create the potential for large long-term payout.
Using cash-out refinance, you can pull-out up to $1 million in equity out of each existing rental property. Utilize our DSCR Investor Cash Flow Loans and take advantage of fast funding services for mortgage cash-out refinance, the hybrid of current market fixed or variable rates, and flexible terms, to seize new investment opportunities.
Use our simple loan application process to accelerate the growth of your real estate investment portfolio.
30yr fixed rate Non-QM mortgage rental SFRs
DSCR 40yr IO mortgage for an Airbnb retreat
REFI. INVEST. GROW.
1-4 Units Rental Property Financing
REFI. INVEST. GROW.
1-4 Units Rental Property Financing
Beyond the Numbers
As a DIRECT DSCR MORTGAGE LENDER we make all credit decisions and exceptions in house:
- Direct to investor lending:
– Flexibility with in-house underwriting
– Better deals without intermediaries
– Faster pre-approvals
– Faster processing, quick funding - No-limits on number of financed properties
- No balloon payments
- Low reserve requirement
- Interest-Only (IO) option – available
- Keep property under LLC – allowed
- Non-occupant co-borrower – allowed
- Foreign national borrower – allowed
- First-time investor – allowed
- Self-employed investors are welcome
- Fast efficient closings of 1031 exchange
- Excellent loan product for long term investors
- Not a HARD MONEY Loan!
Get a FREE
Formal Lender Pre-Approval Letter
No appointments necessary
Mortgage Bankers hours 8am-5pm PT
DSCR Loan Features
- Borrow from $150,000 to $3,500,000
- Purchase, Refinance and Cash-out loans
- Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
- Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
- Interest rate buy-down option available
- Cash-out up to $1,000,000
- DSCR as low as .75 (Negative cash flow – OK)
- Refinance up to 75% LTV (for SFR) Lower rates with smaller LTV
- Purchase up to 80% LTV (for SFR) Lower rates with smaller LTV
- No Prepayment Penalty after 36mo (Ask for shorter prepayment period)
DSCR Loan Qualification
- Qualify on property’s rental income
- No personal income verification
- No tax returns or financials needed
- No Dept-to-Income (DTI) Ratio
- No Limit on financed properties
- No lease is needed (Market rent can come from appraisal)
- Use IO feature to calculate DSCR of Fixed or ARM loan
- Gifts are allowed for Down Payment (subject to terms)
- Minimum credit score 640 (Get better rate with higher FICO)
- Low reserve requirement
- No recent foreclosure or bankruptcy
- Close mortgage in 14 days (after appraisal)
Eligible Property Types
- Single family rental houses (SFRs)
- 1-4 units multi-family properties (duplex, triplex, 4-plex)
- Planned Unit Development (PUD)
- Warrantable Condos
- Non Warrantable Condos
- Modular Homes
- Townhomes
- Airbnb, VRBO, Condotel
- 1031 exchange eligible
Get a FREE
Formal Lender Pre-Approval Letter
Beyond the Numbers
As a DIRECT DSCR MORTGAGE LENDER we make all credit decisions and exceptions in house:
- Direct to investor lending:
– Flexibility with in-house underwriting
– Better deals without intermediaries
– Faster pre-approvals
– Faster processing, quick funding - No-limits on number of financed properties
- No balloon payments
- Low reserve requirement
- Interest-Only (IO) option – available
- Keep property under LLC – allowed
- Non-occupant co-borrower – allowed
- Foreign national borrower – allowed
- First-time investor – allowed
- Self-employed investors are welcome
- Fast efficient closings of 1031 exchange
- Excellent loan product for long term investors
- Not a HARD MONEY Loan!
Formal Lender Pre-Approval Letter
No appointments necessary
Mortgage Bankers hours 8am-5pm PT
DSCR Loan Features
- Borrow from $150,000 to $3,500,000
- Purchase, Refinance and Cash-out loans
- Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
- Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
- Interest rate buy-down option available
- Cash-out up to $1,000,000
- DSCR as low as .75 (Negative cash flow – OK)
- Refinance up to 75% LTV (for SFR) Lower rates with smaller LTV
- Purchase up to 80% LTV (for SFR) Lower rates with smaller LTV
- No Prepayment Penalty after 36mo (Ask for shorter prepayment period)
DSCR Loan Qualification
- Qualify on property’s rental income
- No personal income verification
- No tax returns or financials needed
- No Dept-to-Income (DTI) Ratio
- No Limit on financed properties
- No lease is needed (Market rent can come from appraisal)
- Use IO feature to calculate DSCR of Fixed or ARM loan
- Gifts are allowed for Down Payment (subject to terms)
- Minimum credit score 640 (Get better rate with higher FICO)
- Low reserve requirement
- No recent foreclosure or bankruptcy
- Close mortgage in 14 days (after appraisal)
Eligible Property Types
- Single family rental houses (SFRs)
- 1-4 units multi-family properties (duplex, triplex, 4-plex)
- Planned Unit Development (PUD)
- Warrantable Condos
- Non Warrantable Condos
- Modular Homes
- Townhomes
- Airbnb, VRBO, Condotel
- 1031 exchange eligible
Get a FREE
Formal Lender Pre-Approval Letter
30yr fixed rate Non-QM mortgage rental SFRs
DSCR 40yr IO mortgage for an Airbnb retreat
CASH-OUT REFINANCE
Turn Rental Property Equity Into Cash
Multiply Your Assets with DSCR Loans
Increase your buying power and get quick access to capital. Take advantage of passive income as well as existing equity in a rental property to create the potential for large long-term payout.
Using cash-out refinance, you can pull-out up to $1 million in equity out of each existing rental property. Utilize our DSCR Investor Cash Flow Loans and take advantage of fast funding services for mortgage cash-out refinance, the hybrid of current market fixed or variable rates, and flexible terms, to seize new investment opportunities.
Use our simple loan application process to accelerate the growth of your real estate investment portfolio.
No appointments necessary
Mortgage Bankers hours 8am-5pm PDT
HARD MONEY? NO!
Use DSCR Superior Alternative to Hard Money Loans
Our DSCR Loan Program offers a superior alternative to Hard Money Loans, eliminating the painfully slow approval process.
Hard Money loans come with balloon payments and higher costs. With us, you can escape the burden of double-digit interest rates and hefty origination fees.
Experience the benefits of our quick funding long-term DSCR financing, instead of opting for a Jumbo conventional mortgage that often demands a higher credit score, extensive personal income and employment documentation.
Self-employed investor DSCR 30yr loan for rental duplexes
OptionWide® 4-plex fixed or variable rate DSCR mortgages
Loans That Empower
Over 115,000 Investors
DIRECT LENDER
ADVANTAGE
Direct to Investor Lending – No Intermediaries
With mortgage financing in 34 states, get more funds at the best rates and terms. Enjoy the convenience of our automated systems and the expertise of our qualified mortgage bankers.
Say goodbye to unnecessary costs, frustrations, and delays. Request your FREE pre-approval letter today and gain a competitive edge in your property search.
CORPORATE HEADQUARTERS
7525 Irvine Center Drive #100
Irvine, CA 92618
Mon - Fri, 8am - 5pm PT
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Fastest Path to Funding
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No Impact to Credit
Fill out this form and a Mortgage Banker will guide you
through the final application step
Fill out this form and our Loan Banker will guide you through the final application steps.
Contact Mortgage Banker
Quick Response Form
FREE Formal Pre-Approval Letter
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