Program Overview
Key Features
- Up to 75% LTV on purchases
- Close in 5-7 days
- Minimal documentation
- Bridge to DSCR take-out
- IO payments
- No prepayment penalty
Eligible Property Types
- Single Family
- Townhome
- Condo
- 2-4 Units
Business Purpose Only
Business-purpose loans only. Bridge financing requires clear exit strategy documentation.
Eligibility Requirements
Minimum FICO
Credit score requirement
Maximum LTV
Loan-to-value ratio
Cash Flow Based
No tax returns needed
Program Guidelines
Clear exit strategy required. Bridge to permanent financing or sale within term.
Rates & Terms
| LTV | FICO | Rate | Points | Prepayment |
|---|---|---|---|---|
| 70% | 740+ | 10.500% | 1.50 | None |
| 70% | 680-739 | 10.750% | 1.50 | None |
| 75% | 760+ | 10.750% | 2.00 | None |
Note: Rates shown are starting rates and may vary based on property type, location, and borrower qualifications. Prepayment penalties apply as shown. Business purpose loans only.
Calculate Your Scenario
DSCR Calculator
Enter your property details below
Property Income
Monthly Expenses
Loan Details
Results
Recommendations
- You qualify for our best rates and terms
- Consider higher LTV options up to 80%
Understanding DSCR
≥ 1.25
Strong DSCR. Qualifies for best rates and highest LTV options up to 80%.
1.0 - 1.24
Acceptable DSCR. May qualify with adjusted terms or lower LTV.
0.75 - 0.99
Consider no-ratio DSCR program or property improvements.
Frequently Asked Questions
How quickly can you close?
We can close in as little as 5-7 days with complete documentation and clear title.
What are typical exit strategies?
Refinance to DSCR after stabilization, sale, or extend term up to 24 months total.