Program Details

As Low As 4.25% Fixed Rate*
30-Year Term, 30-Year Amortization
Up to 75% LTV Cash-Out
2.0% Origination Fee
No Tax Returns
680+ FICO Score
$135,000 Minimum Property Value
1-4 Unit Residential
Eligible Entities: LLCs and Individuals
Prepayment Penalty: 3% in Year 1, 2% in Year 2, 1% in Year 3, 0% thereafter

Cash-Flow Based Approval

Unlike traditional mortgages, qualification for this lending program is based on the property’s Debt Service Coverage Ratio (DSCR), not your personal debt-to-income ratio. DSCR is a measure of the net cash flow available to cover any debt payments. Your property should yield a positive cash flow after any bills and debt payments.


*This 4.25% program advertised is not available in NJ, NY, or IL. However, we have alternative rental loan program with a similar rate for these areas.
*Not available in NV.
*APR 4.609%