Our Investors Advantage DSCR 1-4 unit product is an innovative investment property loan option that combines flexibility with robust features, tailored specifically for astute investors. A standout feature is the streamlined income verification process, which can be done through market rent or lease agreements, ensuring a seamless and efficient experience. The inclusion of a 2/1 temporary buydown showcases its adaptability to various financial strategies. Moreover, the program can be used for the purchase or refinance of short-term rentals with a documented rental history from a property manager or marketplace like Airbnb.  We also provide versatile property type options and thoughtful financial provisions, solidifying our position as the top choice for serious investors. Up to 80 Max LTV Loan Amounts: 100K–$2M+ Purchase, Rate and Term, Cash Out NOO Business Purpose Min FICO Score of 660 With Established U.S. Credit or Foreign Credit 12 Months of Rental History for Seasonal Rentals 3 Years of Seasoning From U.S. Credit Events Foreign Nationals Allowed.

Our Investors Advantage DSCR 5-10 unit product is an innovative investment property loan option for small apartment properties and mixed-use commercial. The overall requirements to qualify for this product are similar to our 1-4 unit product, but with a lower LTV and higher minimum loan amount. This is a great option for investors buying in infill locations, which tend to have a much higher ratio of properties with residential apartments above ground-level retail/commercial space.  Conforming conventional loans do not allow any commercial space and FHA loans are for primary residences only. In addition, both conforming conventional and FHA only allow 1 to 4 unit properties, so the financing options are limited.