About Investor Cash-Flow Loans

The guidelines for the home mortgage have the primary home buyer in mind. This is a good thing as it protects the biggest asset in most people’s lives. However, because of this, real estate investors sometimes run into challenges.  In the industry, we call this a DSCR loan. This stands for debt service coverage ratio and falls under the non-QM umbrella, as they are not sold to the same investors as a traditional mortgage. This means guidelines build around real estate investors!

The DSCR Loan Process

Here’s how our home loan process works:

• We will calculate the income using the fair market rent, or signed lease for the subject property!
• The property qualifies as long as it rents for equal to or greater than the proposed mortgage payment
• No tax or income documents are required!
• Follow your CPA’s advice for savings AND qualify for a mortgage!
• Fixed-rate and Adjustable-rate options are available.
• Investment properties only!
• 1 to 4 unit and 5 to 8 unit options are available!

We will calculate the property’s income by using the fair market rent, or signed lease for the subject property. As long as it rents for equal to or greater than the proposed mortgage payment, the income qualification is satisfied. This is a game-changer, that will allow many to build up their portfolios far larger than they could with traditional finance methods.