Express DSCR

For Borrowers with Positive Cash Flow Properties

Non Trid - Close Fast!

Purchase Money & Rate & Term to 80% LTV

Loan Amounts to $3 Million

Highlights

  • DSCR down to .75 with 680 minimum score
  • Declining Markets Allowed
  • Vacant Properties Allowed on Refinances
  • Originate business purpose mortgages without a state specific license in multiple states*
  • Gift Funds Allowed
  • Charge Origination and receive YSP
  • Cash Out can be Used for reserves
  • Min Fico 660
  • Interest Only Loans Qualify using the IO payment
  • Unlimited Cash In Hand Allowed <= 60% (Greater than 60% is $1 Million Max)
  • 30 & 40 Year Fixed I/O Available
  • 75% LTV Cash Out Min FICO 700
  • 1x30x12 Allowed

*Ask your AE for more details

Resources

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Matrix

DSCR Calculator

DSCR No Ratio Certification Form

No Licensing Required States

  • Alabama
  • Colorado
  • Connecticut
  • Delaware
  • District Of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Illinois
  • Indiana
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming