DSCR and No Ratio

DSCR AND NO RATIO LOANS

Real Estate Investors Qualify Based on Cash Flow of the Property

FundLoans has three DSCR mortgage programs that 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. 

Contact an account executive or price your loan now!

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DSCR AS LOW AS 0 (1-4 UNITS)

  • For first-time investors and a good option for foreign nationals
  • No cash-in-hand limit
  • DSCR <.75 is "no ratio"
  • Maximum 80% LTV for purchase and R/T refinance
  • Loans from $200K to $6MM
  • Min. credit score: 660 FICO
  • 30 year fixed rate & 30 or 40 year fixed rate with I/O
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MORE RESTRICTIVE, BETTER PRICING

  • Max 80% LTV for purchase and R/T, max 75% for cash-out
  • Loans from $200K to $3MM
  • Min. credit score: 700 FICO

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