Property types
SFR, 2–4 unit, small multifamily, and short-term rental properties. Non-owner-occupied investment property only.
04 — Hold
30-year rental (DSCR) loans.
DSCR-based long-term financing for investor-held single family and small multifamily portfolios. Cash-out refinances welcome.
04 — Hold
Qualify on the property, not your W-2.
No personal income verification — we qualify on the property's cash flow. Ideal for investors building or stabilizing a rental portfolio.
Fixed and adjustable rate options, with terms up to 30 years and interest-only periods available on select products.
30yrAmortization
1.0+Min DSCR
80%Max LTV
Criteria
What we fund.
Qualification
Based on DSCR (debt service coverage ratio), reserves, and basic credit — not personal income. Entity-held vesting strongly preferred.
Cash out
Cash-out refis available up to program maximum LTV. Common structure for investors pulling equity to fund the next deal.
FAQ
Program-specific questions.
Do I need to show personal income? +
No. DSCR loans qualify on property cash flow, reserves, and credit. W-2s and tax returns are not required.
What's the minimum DSCR? +
1.0 for most borrowers at standard leverage. Lower DSCR deals can qualify with reduced leverage or additional reserves.
Can I cash out? +
Yes. Cash-out refis up to program maximum LTV are a common structure for rolling equity into the next project.
Are there prepayment penalties? +
Step-down prepayment penalties apply. Structures and buy-down options are disclosed up front and locked at term sheet.