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investor cash flow loan
Begin your quote for a
investor cash flow loan
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A special home loan solution designed for someone that wants to invest in real estate
Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!
Jack D.
Christian and his team were wonderful to work with! They helped us refinance our home and we couldn’t be happier. They were always available and patient with us when we had questions. Would highly recommend them for any home financing needs.
Rachel S.
Christian Penner and his mortgage team are the best in the industry! They have all the loan products from the normal loans to even loans for self employed people and small business owners like me. So if you have a great account he can help you by using your business bank statements.
Mickey M.
A special home loan solution designed for someone that wants to invest in real estate
Working with Chris + team was incredible! They reduced our anxiety and stress levels, were tolerant and patient throughout the entire process, and got the deal done in breakneck speed. We're extremely happy in our new home. Highly recommended!
Jack D.
Christian and his team were wonderful to work with! They helped us refinance our home and we couldn’t be happier. They were always available and patient with us when we had questions. Would highly recommend them for any home financing needs.
Rachel S.
Christian Penner and his mortgage team are the best in the industry! They have all the loan products from the normal loans to even loans for self employed people and small business owners like me. So if you have a great account he can help you by using your business bank statements.
Mickey M.
What is a DSCR Loan?
DSCR is an abbreviation for “debt service coverage ratio.” But the name “investor cash flow loan” makes it easier to understand what a DSCR loan is. We look only at the projected cash flow from the rental property to assess your eligibility for financing. You do not need to document your personal income, which plays no role in establishing your qualifications.
DSCR = Net Operating Income / Debt Service
To calculate the DSCR, the subject property's gross rent is divided by the subject property's monthly payment.
The DSCR we are looking for is 1.00%
Example 1: Gross Rent = $2,000; PITI = $1750; $2,000/$1,750 = 1.142 DSCR (acceptable)
Example 2: Gross Rent = $800; PITI = $1,000; $800/$1,000 = 0.80 DSCR (not acceptable)
DSCR Loan Features
Purchase / Refinance
No personal income to qualify
Qualification based on property cash flow
No limit on number of properties financed
Min credit score 640
Min loan amount $150,000
Max loan amount $2,000,000
30 yr fixed / 5 yr ARM / 40 yr interest only
Benefits of Debt Service Coverage Ratio Loans
When you submit your application, you do not need to verify your employment history or personal income. Neither will prohibit you from moving forward with your real estate investments.
The DSCR loan application is simple and streamlined. Since you can close rapidly, you have a better chance of beating competing buyers to the finish line and being the one to win your dream property.
The DSCR loan process allows you to buy as many properties as you want. So, this is an excellent product to choose if you want to expand your portfolio.
Apply for an Investor Cash Flow Loan
Ready to apply now for the flexible financing you need to add to your real estate holdings? Please give us a call today at (561) 556-9529 to schedule your consultation.
Apply for an Investor Cash Flow Loan
Ready to apply now for the flexible financing you need to add to your real estate holdings? Please give us a call today at (561) 556-9529 to schedule your consultation.
America’s Mortgage Solutions
712 US-1, #300
North Palm Beach, FL 33408
Phone: (561) 556-9529
NMLS# 368289
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