Investment Property Program
Three easy ways to qualify for an investment property when Fannie & Freddie say no.
Investor Cash Flow
- Use only the market rents from the appraisal to qualify the loan
- Minimum DSCR 1.00
- No DSCR needed with minimum 700 FICO and max 75% LTV
- Credit score down to 680
- No personal income/no employment needed
- Borrower can own an unlimited amount of properties
- No income-expense ratio (No DTI required)
- LTVs up to 80%
- Interest only available
Bank Statements
- Use 12 or 24 months of business or personal bank statements to qualify income
- Credit scores down to 680
- LTV’s up to 85%
Full Doc
- Standard income documentation including paystubs, W2 and tax returns
- Credit scores down to 680
- LTV’s up to 85%
The Investor Cash Flow mortgage program allows you to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns. Debt services coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan.