Program Overview
Key Features
- Cross-collateralized structure
- Portfolio DSCR calculation
- Release clauses available
- Single payment convenience
- Experienced borrower program
- Flexible property types
Eligible Property Types
- Mixed Portfolio
- Single Family
- 2-4 Units
- Small Commercial
Business Purpose Only
Business-purpose loans only. For experienced real estate investors only.
Eligibility Requirements
Minimum FICO
Credit score requirement
Maximum LTV
Loan-to-value ratio
Cash Flow Based
No tax returns needed
Program Guidelines
Minimum $2M portfolio value. Experienced borrower with 10+ properties or equivalent experience.
Rates & Terms
| LTV | FICO | Rate | Points | Prepayment |
|---|---|---|---|---|
| 70% | 740+ | 7.000% | 0.00 | 3/2/1 |
| 75% | 760+ | 7.125% | 0.25 | 3/2/1 |
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 do release clauses work?
Release individual properties by paying down to agreed LTV on remaining portfolio collateral.
What experience do you require?
Minimum 10 rental properties or $5M real estate experience with documented track record.