Loan Products Spectrum

DSCR and No Ratio

Real Estate Investors Qualify Based on Cash Flow of the Property

FundLoans' Spectrum and Arete DSCR mortgage programs do not require full income documentation. Instead, qualification is based solely on the property cash flow. These loans are meant to help real estate investors purchase or refinance non-owner-occupied properties.

Spectrum

DSCR as low as 0 — Loans from $200K to $10M

  • • For First-Time Investors and a Good Option for Foreign Nationals
  • • Unlimited Cash-In-Hand at or Below 60% LTV
  • • DSCR <.75 is "No Ratio"
  • • Maximum 80% LTV for Purchase and R/T Refinance
  • • Min. Credit Score: 660 FICO
  • • 30 Year Fixed & 30 or 40 Year Fixed I/O
Guidelines Matrix

Arete

Portfolio 1st Mortgage — Loans up to $2M

  • • DSCR Ratios as Low as .75 (720+ FICO Below 1.0)
  • • Short-Term Rentals Eligible on Purchases with DSCR Above 1.25
  • • Up to 80% CLTV on Purchases
  • • Foreign National and Non-Permanent Resident Options
  • • Min. Credit Score: 660 FICO
  • • 30- or 40-Year Fixed and Interest-Only Available
Guidelines Matrix

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