Our No Ratio DSCR <0.75 Loan Program is designed for borrowers with lower Debt Service Coverage Ratios (DSCR), offering financing options with flexible terms. This program allows investors to qualify with a DSCR as low as 0.75, making it ideal for properties with short-term rental income or those in early investment stages.

Primary Criteria

  • Down to 10% DSCR

  • 75% LTV MAX

  • Short-Term Rental Eligible

Why choose our No Ratio DSCR <0.75 program?

  • Low DSCR Requirement

  • Investor-Friendly Terms

  • Flexible Qualification

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Created: 10-31-2024
Updated: 10-31-2024
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PLEASE NOTE: We regularly update our program information to ensure accuracy. However, program details may change rapidly. For the most current and precise information, please contact us using the form on this page, via our Contact Us page, or by phone at (800) 919-1086

Program details

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Program details

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  • Flexible qualification for properties with a DSCR as low as 10%.

  • Maximum Loan-to-Value of 75% for eligible properties.

  • Short-term rental properties are accepted under this program, providing investors more flexibility.

  • Offers financing options for properties with lower DSCR, ideal for growing portfolios.

  • Designed for short-term rental income properties, giving more options for rental investors.

  • Helps investors secure financing even if the property’s rental income hasn’t fully stabilized.

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No Ratio DSCR <0.75 Program FAQ

What is the minimum DSCR required to qualify for this program?

The No Ratio DSCR <0.75 Loan Program allows for a minimum DSCR as low as 0.10, providing flexibility for properties with lower income coverage.

The maximum Loan-to-Value (LTV) for this program is 75%, meaning you can finance up to 75% of the property’s value.

Yes, short-term rental properties are eligible under this program, making it a great option for investors in vacation rentals or similar properties.

 

Yes, this program is designed to accommodate properties with lower or inconsistent rental income, making it ideal for early-stage investments or properties still in development.

 

This loan program can be used for a variety of investment properties, including single-family homes, multi-family units, and short-term rental properties.

 

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