Direct to Investor Lending

DSCR Loan

Airbnb, VRBO or Condotel

Long-Term Financing for Short-Term Rentals 

Purchase. Refinance. Cash-Out.

 

Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income.

High LTV and Interest-Only Options. Long-Term Fixed or ARM Rates. Fast Closing and Flexible Underwriting. Apply Now and Get a Quote Today! 

No appointments necessary
Mortgage Bankers hours 8am-5pm PT

 

Contact Mortgage Banker

Quick Response Form

No cost. No obligation.


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    Direct Lender

    DSCR Loan

    Airbnb, VRBO, Condotel

    Long-Term Financing
    for Short-Term Rentals

    Purchase. Refinance. Cash‑Out.

    Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income.

    High LTV and Interest-Only Options. Long-Term Fixed or ARM Rates. Fast Closing and Flexible Underwriting. Call Now and Get a Quote Today!

    No appointments necessary
    Mortgage Bankers hours 8am-5pm PT

    OptionWide® Financial Corp offers residential 1-4 units rental property mortgages in the following states: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Nebraska, New Hampshire, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming

    OptionWide® Financial Corp offers residential 1-4 units rental property mortgages 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!

    Are you looking for a smart way to finance your real estate portfolio of short-term rentals such as Airbnb, VRBO or Condotel? We specialize in DSCR financing, a type of financing that is based on the property’s income rather than the borrower’s income.

    The OptionWide® Financial DSCR loan is a type of Non-QM (non-qualified mortgage) financing that is designed for short-term rental investors who want to purchase, refinance, or cash-out loan that does not require income verification or tax returns from the borrower. The main qualification criterion is the property’s income potential and cash flow.

    Main Benefits: DSCR lending offers many benefits, such as no limit on number of properties financed, flexible underwriting, fast approval, fast closing, competitive rates and terms, and high LTV ratios.  DSCR financing is ideal for self-employed business owners or investors who have many tax write-offs and minimal net income shown on their tax returns. 

    Contact us today and let us help you achieve your real estate goals.

     

    30yr fixed rate Non-QM mortgage rental SFRs

    30yr fixed rate Non-QM mortgage rental SFRs

    DSCR 40yr IO mortgage for an Airbnb retreat

    DSCR 40yr IO mortgage for an Airbnb retreat

    REFI.
    INVEST.
    GROW.

    1-4 Units
    Airbnb, VRBO or Condotel
    Financing

    REFI. INVEST. GROW.

    1-4 Units
    Airbnb, VRBO or Condotel
    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 620 (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)
    • 2-4 units multi-family properties (duplex, triplex, 4-ple)
    • 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!

     

    Get a FREE
    Formal Lender Pre-Approval Letter

     

    No appointments necessary
    Mortgage Bankers hours 8am-5pm PDT

    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 620 (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)
    • 2-4 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

    30yr fixed rate Non-QM mortgage rental SFRs

    DSCR 40yr IO mortgage for an Airbnb retreat

    DSCR 40yr IO mortgage for an Airbnb retreat

    Are you looking for a smart way to finance your real estate portfolio of short-term rentals such as Airbnb, VRBO or Condotel? We specialize in DSCR financing, a type of financing that is based on the property’s income rather than the borrower’s income.

    The OptionWide® Financial DSCR loan is a type of Non-QM (non-qualified mortgage) financing that is designed for short-term rental investors who want to purchase, refinance, or cash-out loan that does not require income verification or tax returns from the borrower. The main qualification criterion is the property’s income potential and cash flow.

    Main Benefits: DSCR lending offers many benefits, such as no limit on number of properties financed, flexible underwriting, fast approval, fast closing, competitive rates and terms, and high LTV ratios.  DSCR financing is ideal for self-employed business owners or investors who have many tax write-offs and minimal net income shown on their tax returns.

    Contact us today and let us help you achieve your real estate goals.

     

    No appointments necessary
    Mortgage Bankers hours 8am-pm PT

    Airbnb, Condotel or Modular Home DSCR Mortgages

    The Key to Unlocking Your Investment Potential

    The OptionWide® Financial mortgages are designed specifically for short-term rentals and Modular Home investors, so you can be sure that you’re getting the best possible deal.

    We offer competitive interest rates, flexible terms, and the ability to hold your property title in LLC.

    We understand that every Airbnb or Condotel or Modular Home investor is different, which is why we offer a variety of mortgage options to choose from. We can help you find the mortgage that best suits your needs and budget.

    Contact us today to learn more about our DSCR mortgages and how we can help you finance your investment property.

    Self-employed investor DSCR 30yr loan for rental duplexes

    Self-employed investor DSCR 30yr loan for rental duplexes

    Short Term Vacation Home Rentals DSCR long-term Loans

    DSCR Mortgages for Short Term Vacation Rentals

    As a direct lender, OptionWide® Financial makes all credit decisions and exceptions in-house, providing flexible qualification and faster funding.

    OptionWide® provides mortgage financing in 34 states. With us, you’ll be able to get more money at the best available interest rate and loan terms.

    With fully automated systems and highly qualified mortgage bankers eager to assist with the application process, you can expect lower costs, less frustration, and faster funding!

    Request a FREE formal pre-approval letter to give you an advantage when looking to purchase your next investment property.

    CORPORATE HEADQUARTERS
    7525 Irvine Center Drive #100
    Irvine, CA 92618

    Mon - Fri, 8am - 5pm PT

    This website is the property of OptionWide® Financial Corporation

      

    Fastest Path to Funding

    GET A QUOTE

    no impact to credit

     

    Fill out this form and a Mortgage Banker will guide you
    through the final application step

     



      400 available characters

       

      Fill out this form and our Loan Banker will guide you through the final application step

       

       

       

      Contact Mortgage Banker

      Quick Response Form

      FREE Formal Pre-Approval Letter


        400 available characters

        NMLS:1724453 | NMLS Consumer Access Site

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