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Residential Investor Financing

DSCR Rental Loans for Investment Properties

Financing for income-producing, non-owner-occupied residential investment properties. Qualification is based on property cash flow relative to debt service, not personal income documentation. Available for acquisition, rate-and-term refinance, and cash-out refinance.

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Program at a glance

Loan Amount
$100,000 to $5,000,000
Rate
Set per deal; rates are not published
Max Purchase LTV
Up to 80%
Minimum DSCR
1.10x
Term
30 years
Amortization
30 years
Rate Type
Fixed or ARM
Minimum FICO
680
Occupancy
Non-Owner Occupied
Cash-Out LTV
Confirmed per deal
Purpose
Acquisition, Refi, Cash-Out

Residential Investor Financing

Program Details

Available in 43 states; eligibility is confirmed per deal.

Loan size
$100,000 to $5,000,000. Subject to underwriting.
Closing
Closing timeline confirmed per deal.

Eligible Property Types

  • Single-family residential investment properties (non-owner-occupied)
  • 2-4 unit residential investment properties
  • Condominiums, townhomes and PUDs (investor-owned)
  • Short-term rental / vacation rental properties (market-dependent)
  • Long-term stabilized rental properties

Common Use Cases

  • Acquisition financing for stabilized single-family or small multifamily rental properties
  • Rate-and-term refinance of existing investment property loans
  • Cash-out refinance to recapitalize equity from stabilized rental assets
  • Portfolio refinance of multiple residential investment properties
  • Transition from short-term or hard money financing to permanent DSCR product

Typical Borrower Profile

  • Experienced residential real estate investors with a documented rental property portfolio
  • Sponsors acquiring or refinancing non-owner-occupied single-family or small multifamily rental properties
  • Investors seeking cash flow-based underwriting without personal income documentation requirements
  • Real estate professionals expanding a stabilized buy-and-hold portfolio

Required Documentation

  • Executed lease agreements or rent roll for subject property
  • Property appraisal or broker price opinion (BPO)
  • Borrower entity documents (operating agreement, articles of organization)
  • Personal financial statement and credit authorization
  • Property insurance declarations page
  • 12-24 months mortgage or rental history (if applicable)
  • Purchase contract or existing title/deed (for refi)
$100,000 to $5,000,000. Subject to underwriting.

How the Preliminary Term Process Works

Programs are available for qualified sponsors, developers, brokers, and real estate investors. Preliminary terms are subject to underwriting, valuation, market conditions, borrower qualifications, collateral review, and final credit approval.

  1. Submit Loan Request Summary

    Provide property address, loan amount requested, use of proceeds, and sponsor information through our secure loan request submission portal.

  2. Preliminary Review

    Our originations team reviews the submission and responds with a preliminary indication of interest and any additional information needed.

  3. Term Sheet Issuance

    If the loan request meets our program criteria, we issue a preliminary term sheet outlining structure, pricing, and conditions for formal underwriting.
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Frequently Asked Questions

Related Programs

Request Financing

Submit your loan request summary and a member of our originations team will follow up to discuss preliminary terms.
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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.