Direct to Investor Lending

Multifamily

Investor Mortgage

PURCHASE. REFINANCE. CASH-OUT.

Finance your 5 – 8 units rental property without showing personal income. Find out what you can afford using the OptionWide® Financial DSCR Investor Mortgage Program. Get a fast no-cost, no-obligation quote within minutes!

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

    Multifamily

    Investor Mortgage

    Purchase. Refinance. Cash-Out.

    Finance your 5 – 8 units rental property without showing personal income. Find out what you can afford using the OptionWide® Financial DSCR Investor Mortgage Program. Get a fast no-cost, no-obligation quote within minutes!

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

    DSCR Loans are available in: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, 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!

    The Best Multifamily Property Investment Loan Program – Guaranteed! Increase your buying power and get access to capital. Take advantage of passive income and existing equity in properties to create the potential for large long-term payouts.

    • Multifamily Loans Use our innovative real estate investment loan program to build portfolios of income generating residential 5-8 unit properties.
    • Easy Application Call or use our simple application to apply. No tax returns needed. No complicated forms and unnecessary paperwork.
    • Approval in Few Hours Qualify based on current or anticipated rental income from the property, your credit quality and collateral.
    • Fast Close Time Pre‑qualify in 10 minutes. Get loan approval within 24hrs. Receive funds in as little as 7 business days, no biggie.
    • Mortgage Bankers Our experience and knowledgeable real estate loan bankers will provide you with reliable service every step of the way.
    • Direct Lender OptionWide® Financial Corp is a Direct Lender providing investor mortgages without intermediaries. Get a formal pre-approval letter and bid on properties with confidence!

    Use our simple loan application process to accelerate the growth of your real estate investment portfolio.

    Investor DSCR financing for 5-Plex

    Investor DSCR financing for 5-Plex

    REFI. INVEST. GROW.

    5-8 Units Multifamily 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
    • No DTI or employment verified
    • 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 – not 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 $500,000 to $2,000,000
    • Purchase, Refinance and Cash-out loans
    • Get a 15 or 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
    • Interest Only (I/O) features are allowed on ARMs and FRMs.
    • Interest rate buy-down option available
    • Cash-out up to $1,000,000
    • Minimum DSCR is 1 
    • Refinance up to 70% LTV  (Lower rates with smaller LTV)
    • Purchase up to 75% LTV (Lower rates with smaller LTV)
    • No Prepayment Penalty after 60mo (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 (Use 100% of the lesser of current lease or market rents as determined by the appraiser)
    • Use IO feature to calculate DSCR of Fixed or ARM/FRM loan
    • Gifts are allowed for Down Payment (subject to terms)
    • Minimum credit score 660 (Get better rate with higher FICO)
    • Low reserve requirement
    • On a loan with interest only feature, the interest only payment (ITIA) on a loan may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR
    • No recent foreclosure or bankruptcy
    • Close mortgage in 14 days (after appraisal)
    eligible property type
     
    ⬤ Residential 5 to 8 units only.

    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
    • No DTI or employment verified
    • 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 – not 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-6pm PDT

    DSCR Loan Features
     

    • Borrow from $500,000 to $2,000,000
    • Purchase, Refinance and Cash-out loans
    • Get a 15 or 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
    • Interest Only (I/O) features are allowed on ARMs and FRMs.
    • Interest rate buy-down option available
    • Cash-out up to $1,000,000
    • Minimum DSCR is 1 
    • Refinance up to 70% LTV  (Lower rates with smaller LTV)
    • Purchase up to 75% LTV (Lower rates with smaller LTV)
    • No Prepayment Penalty after 60mo (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 (Use 100% of the lesser of current lease or market rents as determined by the appraiser)
    • Use IO feature to calculate DSCR of Fixed or ARM/FRM loan
    • Gifts are allowed for Down Payment (subject to terms)
    • Minimum credit score 660 (Get better rate with higher FICO)
    • Low reserve requirement
    • On a loan with interest only feature, the interest only payment (ITIA) on a loan may be used in lieu of an amortizing payment to calculate the Qualifying Payment and the DSCR
    • No recent foreclosure or bankruptcy
    • Close mortgage in 14 days (after appraisal)
    ELIGIBLE PROPERTY TYPE

    ⬤ Residential 5 to 8 units only.

    Get a FREE
    Formal Lender Pre-Approval Letter

     

     

    Take advantage of our DSCR investor financing:

    1. Faster Closing times and funding
    2. No personal income verification
    3. Close mortgage under LLC
    4. Has flexible lending options

    These can have major impact on investors:

    1. Who need to close on a property quickly
    2. Who have irregular or no income
    3. Who wish to limit investment risk
    4. Who want to maximize return on investment with interest only payments.

    No appointments necessary
    Mortgage Bankers hours 8am-6pm PDT

    Multifamily investor mortgages up to 8 units

    Multifamily investor mortgages up to 8 units

    DSCR Loan Benefits

    Take advantage of our DSCR investor financing:

    1. Faster Closing times and funding
    2. No personal income verification
    3. Close mortgage under LLC
    4. Has flexible lending options

    These can have major impact on investors:

    1. Who need to close on a property quickly
    2. Who have irregular or no income
    3. Who wish to limit investment risk
    4. Who want to maximize return on investment with interest only payments.
    Multifamily 5-plex loans


    DSCR loans for multifamily buildings

    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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