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mparing Our No Proof of Income Rental Property Loan Programs
mparing Our No Proof of Income Rental Property Loan ProgramsThis new offering is crafted with the active real estate investor in mind—someone who is not just focused on immediate profits but also values the potential for long-term appreciation through "acquire and hold" portfolios. Whether you're a seasoned investor expanding your empire or someone building a steady income stream for the future, this program provides the flexibility and freedom to grow without the typical financial hurdles.
What makes this program stand out is its innovative approach to lending. Unlike traditional programs that heavily scrutinize the revenue flow of rental units, our No DSCR (Debt Service Coverage Ratio) program looks beyond that. It’s strictly based on the intrinsic value of the property itself. This means you can make confident decisions without the pressure of meeting rigid cash flow requirements.
We understand that real estate investment is about seizing opportunities and staying agile. This program ensures that your regular return objectives aren’t constrained by unnecessary barriers. By focusing on the property's value rather than its current income, we empower you to maximize your potential, whether you're targeting undervalued properties, emerging markets, or prime locations with high appreciation potential.
With this forward-thinking approach, we’re not just offering a loan; we’re providing a tool to help you realize your vision, enabling you to focus on what matters most—building a portfolio that generates consistent returns today and substantial growth tomorrow.
APPLY NOW or Call us to find out more - 888-375-7977
Single Property Investor Series – DSCR Loan with No Proof of Income
Vacation Rentals – Short Term Rentals - AIRBNB - High-end Upscale Investment Housing
Program Structure:
| Offering Type: | Acquire, Rate Term Reborrow, Take-Profit & Reborrow |
| Realty Type: | Single property, First Lien Only |
| Loan Amount: | 100K - 2M |
| Program Terms: | 5/1 – 7/1 – 30/30 – No Balloon |
| Rate Range: | 6.5% and up |
| Amortization: | 30 year – Full Term Interest Only |
| LTV: | UP to 75% of value with 700 credit |
| Property Based DTI: | NO |
| Recourse: | YES |
| Geography: | National: Most major MSA’s and secondary markets |
Underwriting Guidelines:
| Property Type: | SFR, 2-4 units, condos (FNMA warrantable), townhomes |
| Valuation Type: | 1004/1007 URAR Standard with CDA Reconciliation |
| Borrower FICO: | 640 Minimum |
| Seasoning: | 6 Months on title for value |
| Documentation: | Streamlined – NO Tax Returns |
| Inventory: | Minimum of 4 months PITIA |
| Prepayment Penalty: | Declining or 80% of 6 months Interest Payments |
| Eligible Borrowers: | US Citizens/Permanent Resident Aliens/Foreign Nationals |
| Ineligible: |
Owner Occupied Homes |
2nd GENERATION SECURITIZATION LOAN PROGRAMS
Flexible lending programs to meet your time horizons! Click here to view all our loan programs.
Rental Home Financing Investment Loans
