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Investment property loans (dscr)

  • Buy a rental property for long-term tenants or AirBnb.

  • Fix & Flip or Fix & Hold.

  • 15% minimum down payment

  • 600 minimum credit score

Options

Conventional (lowest rate)

  • Personal income documents reviewed

  • 15% minimum down payment

  • 620 minimum credit score

  • 1-4 unit properties only

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DSCR Cash Flow

  • No personal income required, approval will be based on the property's rental income.

  • 20% minimum down payment

  • 600 minimum credit score

  • $75k minimum loan amount

Fix & Flip

  • Buy a property & receive additional funds for renovations.

  • Pay interest only during the renovations.

  • Pay 25% down for the purchase of the property.

  • 100% of renovations costs covered.

  • Total loan amount must be the lesser of either:

    • 70% of After Repair Value or

    • 90% of the initial purchase price.

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