Whether you are buying your first investment, expanding your portfolio, or refinancing your existing property, our Investor mortgage professionals are ready to help you find the right solution.
Learn more about our most popular mortgage products for Real Estate Investors:
✅ DSCR - Debt Service Coverage Ratio
DSCR stands for Debt Service Coverage Ratio, and it is a financial metric commonly used in the context of real estate financing, including both purchase and refinance scenarios. This is our lowest rate and most popular investor financing product. It requires no borrower income, employment or tax return information. See below for expanded DSCR details.
✅ No Ratio Investor Financing
A No Ratio real estate loan is a type of mortgage or loan where the lender does NOT consider the borrower's debt-to-income ratio (DTI) as a primary factor in the loan approval process. It is very similar to our DSCR product, but with the "No Ratio" variation the property cash flow is also NOT considered. Stronger equity positions required but no employment, income, tax returns or property cash flow considered. See below for expanded details on our No Ratio product.
✅ Hard Money & Fix and Flip Financing
A Hard Money Mortgage is a specialized financing option designed for real estate investors, entrepreneurs, and homebuyers prioritizing speed, adaptability, and innovative financing alternatives. Differing from standard loans, Hard Money Mortgages rely on the property's value for security, not the borrower's credit score or income. See below for more details on our Hard Money and Fix and Flip options for investors.
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DSCR Real Estate Investment Financing
No Income. No Employment. No Tax Returns.
DSCR stands for Debt Service Coverage Ratio, and it is a financial metric commonly used in the context of real estate financing, including both purchase and refinance scenarios. The DSCR is a measure of a property's ability to generate enough income to cover its debt obligations, particularly the mortgage payments. Consequently, our DSCR loan products do not typically require any borrower income, employment or tax return information. This is a form of Real Estate financing referred to as (ABL), or asset based lending. If the property has a positive, or near positive cash flow, the DSCR is a perfect choice for real estate investors.
DSCR Details:
✅ Ideal for experienced or first time investors.
✅ Available for purchase, refinance & cash out.
✅ Available for Residential 1-4 Units, Multi-Family, Mixed Use, and Commercial property types.
✅ In most cases, no borrower tax returns, income or employment documentation required.
✅ Up to $3,000,000 loan amount for Residential 1-4 Units
✅ Up to $100,000,000 for Multi-Family & Commercial Property.
✅ Minimum FICO 575+
✅ Minimum 15% down for residential purchase.
✅ Maximum 80% LTV for refinance.
✅ Tell us about your scenario!
No Ratio Investor Mortgage
No Cash Flow Ratio. No Income. No Tax Return.
A No Ratio real estate loan is a type of mortgage or loan where the lender does NOT consider the borrower OR property debt-to-income ratio (DTI) as a primary factor in the loan approval process. In a traditional mortgage application, lenders typically use DTI as an important criterion to assess a borrower's ability to repay the loan. In a No Ratio loan, the lender does not factor in the borrower's income and debts, and the loan approval is based on other criteria such as borrowers credit, equity or down payment. This type of loan is sometimes referred to as a "No Income/No Asset" (NINA) loan because the lender does not verify the borrower's income or assets during the application process. AND, most importantly unlike the DSCR mortgage, the property is NOT required to have a positive cash flow.
Investor "No DSCR" Details.
✅ Ideal for experienced or first time investors.
✅ Available for purchase, refinance & cash out.
✅ Available for Residential 1-4 Units, Multi-Family, Mixed Use, and Commercial property types.
✅ In most cases, no borrower tax returns, income or employment documentation required.
✅ Up to $3,000,000 loan amount for Residential 1-4 Units
✅ Up to $100,000,000 for Multi-Family & Commercial Property.
✅ Minimum FICO 575+
✅ Minimum 30% down for purchase transactions.
✅ Maximum 70% LTV for refinance transactions.
✅ Tell us about your scenario!
Investor Hard Money & Fix And Flip
We offer over 100+ financing sources for your real estate project. We got your scenario covered!
Details about Our Hard Money & Fix and Flip Products:
A Hard Money Mortgage is a distinctive solution based financing option designed for real estate investors, entrepreneurs, and homebuyers who prioritize quick access to funds, flexibility, and innovative financial solutions. Unlike traditional loans, Hard Money Mortgages are based on the asset's value, using the property as collateral, rather than relying heavily on your credit history or income.
Below are a few of our hard money parameters but we highly encourage you to book a time to chat through your personal need and goals. We are happy to help you identify a solution from our expansive product list, or even point you in the right direction when we can't help.
✅ Fast Close Hard Money Loans To $100,000,000.
✅ Residential, Multi-Family, Mixed Use, Commercial & Construction.
✅ Fix N Flip For Experienced & First Time Investors.
✅ Ground Up Construction & "Land Only" Available
✅ Available For Investment Property Only
✅ Typically Minimum 575+ FICO Required But Lower FICOS Available With Strong Equity
✅ Minimum Down Payment Or Equity Position Varies Based on Property Type & FICO.
✅ Loan Amounts Up To $100,000,000
✅ Purchase, Refinance & FAST Cash Out Available.
✅ Typically No Borrower Income, Employment Or Tax Returns Required.
✅ Generally These Products Are All Asset Based Lending.
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