DSCR Loan Program
• SFR (Single-Family Residential):
o Loan Amounts: $75K – $3M per property
o LTV: Up to 80% for purchase, refi, and cash-out
o DSCR: Minimum 0.80x
o Credit Score: 660+
o Key Features: § Flexible prepayment options § Fast closings
• Multifamily:
o Loan Amounts: $75K – $3.5M per property
o LTV: Up to 80% for purchase, refi
DSCR Loan Program
• SFR (Single-Family Residential):
o Loan Amounts: $75K – $3M per property
o LTV: Up to 80% for purchase, refi, and cash-out
o DSCR: Minimum 0.80x
o Credit Score: 660+
o Key Features: § Flexible prepayment options § Fast closings
• Multifamily:
o Loan Amounts: $75K – $3.5M per property
o LTV: Up to 80% for purchase, refi, and cash-out
o DSCR: Minimum 1.00x o Credit Score: 660+
o Key Features: § Competitive terms for long-term financing § Flexible prepayment options
Luxury SFR Loan
• Loan Amounts: $3M to $50M
• LTV: Up to 75%
• Terms: 12-24 months
• Credit Score: 660+
• Use Cases: Bridge to Sell; Fix and Flip; Ground-Up Construction
• Key Features: Fast funding with flexible terms; No prepayment penaltie
Fix and Flip Loan
• Loan Amounts: $100K – $3M
• LTC: Up to 90% LTC • Credit Score: 650+
• Terms: 1
Luxury SFR Loan
• Loan Amounts: $3M to $50M
• LTV: Up to 75%
• Terms: 12-24 months
• Credit Score: 660+
• Use Cases: Bridge to Sell; Fix and Flip; Ground-Up Construction
• Key Features: Fast funding with flexible terms; No prepayment penaltie
Fix and Flip Loan
• Loan Amounts: $100K – $3M
• LTC: Up to 90% LTC • Credit Score: 650+
• Terms: 12-24 months, interest-only
• Key Features:
o No prepayment penalties
o Fast underwriting and same-day funding
Ground-Up Construction Loan
• Loan Amounts: $150K – $3M
• LTV: Up to 75%
• LTC: Typically 75% but can go up to 90% for selective borrowers/sponsors
• Credit Score: 660+
• Terms: 12–24 months, interest-only
• Key Features:
o No income verification
o Multiple draw options for flexibility
o Fast closings with streamlined underwriting
o Approved plans and permits required
o No prepayment penalties
Multifamily Bridge Loan
• Loan Amounts: $500K – $3.5M
• Leverage:
o Up to 75% LTV
o Up to 80% LTC
• Credit Score: 680+ • Terms: 12–24 months, interest-only
• Key Features:
o Fast closings (3–5 days)
o Refinance to long-term loans
o No prepayment penalties
Land Loans for SFR Development
• Loan Amounts: $100K – $20M • LTC: Up to 50%
• Market
Multifamily Bridge Loan
• Loan Amounts: $500K – $3.5M
• Leverage:
o Up to 75% LTV
o Up to 80% LTC
• Credit Score: 680+ • Terms: 12–24 months, interest-only
• Key Features:
o Fast closings (3–5 days)
o Refinance to long-term loans
o No prepayment penalties
Land Loans for SFR Development
• Loan Amounts: $100K – $20M • LTC: Up to 50%
• Market: Selective markets
• Terms: 12–24 months
• Key Features:
o Flexible funding for land acquisition
o Suitable for selective market investments
o No prepayment penalties