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RENTAL LOAN (DSCR)
A rental property loan is financing designed for investors looking to purchase or refinance properties held for long-term rental income, focus on the property's cash flow (DSCR) rather than personal income.
Collateral
Non-Owner Occupied 1-4 Units Residential Properties
Condos
Townhomes
Duplex
5+ Units
Mixed-Use Properties
Planned Unit Development (PUD)
LTV
Up to 80% of the As-Is Value or Purchase Price
Up to 80% for Refinance
Up to 80% for Cash-Out Refinance
Term
30-Year Fixed
Hybrid ARMS (5/1, 7/1, 10/1)
Interest-Only Options Available
Minimum Property Value
$100k
Loan Amount
$500k – $5M
Minimum FICO
560
Rates
As Low As 5.75%
Experience
No Experience Requirement
Pre-Payment Penalty
Optional
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