This program allows borrowers to qualify based on the income and assets tied to the investment, not personal tax returns or debt-to-income ratios. It’s a powerful solution for experienced and growing investors looking to efficiently scale their portfolios.
High-Value Investment Properties
Our DSCR Income + Asset Utilization loans support 1–4-family investment properties and condos, with maximum loan amounts of up to $3.5 million. Whether you’re purchasing or refinancing, this program offers interest-only options and no-ratio qualification, helping investors preserve liquidity and improve cash flow. Loan-to-value is calculated conservatively as the lesser of the purchase price and the appraised value.
- Financing available up to $3.5 million
- Interest-only structures offered
- No debt-to-income qualification required
- Eligible property types include 1–4 unit residential homes and condominiums
- Cash-out refinancing permitted up to 75% LTV
- Credit scores accepted starting at 620
- Program limited to non-owner-occupied investment properties
- No tradeline minimums when three bureau credit scores are provided
- Loan-to-value determined by the lower of the purchase price or appraised value
Cash-Out and Investor-Friendly Guidelines
Need access to equity? This program allows cash-out refinancing up to 75% LTV, making it ideal for portfolio repositioning, reinvestment, or capital deployment into new opportunities. Minimum FICO scores start at 620, and there are no minimum tradeline requirements when three credit scores are available across all bureaus.
Designed Exclusively for Investment Properties
This is a business-purpose loan available only for investment properties. Rates depend on structure, leverage, and market conditions, making it a compelling option for investors seeking predictable financing with innovative qualification standards.
We breathe Non-QM home loans for borrowers who need smarter solutions outside agency constraints. Our DSCR Income + Asset Utilization program is for investors who value creativity and strategic structure.
