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. 

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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 $300K to $6MM
  • Min. credit score: 660 FICO
  • 30 year fixed rate & 30 or 40 year fixed rate with I/O
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DSCR Plus (1-4 UNITS)

  • For experienced investors
  • Best rates at 1.4 DSCR
  • Maximum 80% LTV
  • Loans from $300K to $3MM
  • Min. credit score: 660 FICO
  • 30 year fixed rate
  • I/O payment option

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