DSCR Portfolio Loans

Loan to Values: 

Minimum Property Count: 2 No Max. Loan amount limits apply on each specific property so there is no maximum combined loan amount for this program. 

Purchase - 80% of As Is Value

Rate and Term - 80% of As Is Value 

Cash Out Refinance - 75% of As Is Value 

Terms: 5, 7, 10, or 30 Year Fixed Rates. 

Payment Type: Full PITI or Interest Only

Rates starting at 5.375% 

Origination Fees starting at 1.0%

Minimum  FICO Score: 660 or better

Property may be vacant at close as long a property can be rented with in 90 days. 

Collateral Type: Single Family, Condo, Warranted or Non Warranted, Townhome, 2-4 Unit. No Land. No Commercial. 

Close of Escrow 2-3 Weeks

Minimum Loan Amount: $75,000 as low as $50,000 case by case. 

Maximum Loan Amount: $1,500,000 as high as $3,500,000 case by case. 

Minimum DSCR 1.10

A DSCR (Debt Service Coverage Ratio) portfolio loan is a type of loan that is secured by multiple income-producing properties. This loan is specifically designed for real estate investors who own multiple properties and need financing for their portfolio. The DSCR ratio is a key factor in determining the borrower's eligibility for this type of loan, as it measures the property's ability to generate enough income to cover the loan payments.

One of the main benefits of a DSCR portfolio loan is that it allows investors to leverage their existing portfolio to access more capital for additional investments. By using the income from multiple properties as collateral, investors can secure a larger loan amount with competitive interest rates. This type of loan is ideal for investors looking to grow their real estate portfolio and maximize their investment potential.