No RATIO PRO

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👉 KEY PROGRAM HIGHLIGHTS:

Ideal for Real Estate Investors looking for an easier way to finance rental properties, without the hard money interest rates and terms.

• Investment Homes Only - Owner cannot occupy any part of the property

• 🚀 Fast Turn-around time: Average closing timeframe is 3-6 weeks.

• 🔥 MINIMUM FICO to Qualify: 650

• MAXIMUM LTV: 75%

• MINIMUM LOAN AMOUNT: $100,000
• MAXIMUM LOAN AMOUNT: $5 Million

• 💵 CASH-OUT: Take Cash-Out for property improvements, investment purposes, or other business opportunities.

• No Tax Returns or Personal Income needed to qualify

• ✅ NO DSCR RATIO: No DSCR Ratio Formulation Used to Qualify. This means less risk and hassle, and can also helpful for properties that currently lack sufficient cash-flow to qualify for a traditional DSCR program.  
• For 5-9+ Unit Properties, Net Operating Income (NOI) evaluation required for loan amounts $500,000. Long-Term Rental (LTR) acceptable for qualification.  Short-Term Rental (STR) Income is not acceptable for qualification.

• ELIGIBLE PROPERTIES: 1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use  

• Appraisal - for residential properties, a standard residential appraisal report with Market Rental Analysis.

• Foreign National Investors accepted. (Maximum LTV of 65%)

* 🚫 Not a rescue / bailout loan: We finance PURCHASES of distressed properties; but we do not REFINANCE distressed properties.

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