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Investment Property Loans

Qualify for a mortgage loan solely based on your rental property's cash flow

Am I Eligible?

  • Qualification based on property cash flow
  • Programs are looking for a Debt Service Coverage Ratio of 1%
  • Loan Amounts up to $3.5 million
  • Unlimited cash-out on a loan amount up to $3.5m
  • Minimum Credit Score of 620
  • Up to 80% LTV available on a loan amount of $2 million
  • Interest-only loan option available
  • Non-warrantable condo allowed
  • Property can be in LLC’s name
  • Gift Funds are allowed with a minimum borrower contribution of 5%
  • Minimum Payment Reserves up to a loan amount of $1m is 6 months (cash out can be used to meet reserve requirements on a refinance)
  • Option of a 0–5-year pre-payment penalty, the longer the pre-payment penalty the lower the interest rate

The Investor Cash Flow mortgage program, also referred to as Debt Service Coverage Ratio (DSCR), allows investors to qualify for a loan based on a rental assessment to determine property cash flow. Suited for new and seasoned real estate investors, this program is key when building a real estate portfolio.

There are over 50 separate investors that offer a version of this program, each with a different set of guideline requirements and thresholds for the program. In many situations, the guideline variance from investor to investor can make a difference in qualifying for the lowest interest rate, which will directly impact cash flow on the property or the difference of not qualifying for the property.

No Ratio Loans
This program is exactly what it sounds like—no rental income is required to qualify. It has been identified as extremely useful for properties where the market rents are not supporting the debt of higher acquisition prices. Very few investors are offering a true no ratio program, and we are one of them.


A type of non-QM loan for real estate investors. DSCR is a measurement of a firm’s available cash flow to pay current debt obligations. Lenders use this program to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying income.

There are two that stand out:

  1. Obtain cash-out within your existing real estate portfolio to fund the down-payment of additional rental properties and then subsequent purchase
  2. Any payment made more than the interest-only payment is applied to the principal balance and the minimum payment will fall the next month. The interest-only feature of these loans will increase your cash flow while providing you with a stable loan program  

This program requires 20% down.

No, personal income isn’t required to qualify. This means there is no need to submit income statements or tax returns.

A lender will divide your gross rental income by your annual debt to calculate your DSCR; which determines how much income the property generates. Typically, these programs are looking for DSCR of 1%.

Short term rentals (like AirBnB and VRBO) are accepted and rents will be averages over the most recent 12-month period.

Ready to get started? Contact us today!

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