DSCR Loan VS No Ratio DSCR Loans

DSCR Loan - What are DSCR loans?

The DSCR loan gives the borrower DSCR loans purely for the cash flows generated by the investment and no personal income. DSCR loans are available for the financing of residential or commercial property.

We Provide a No DSCR Ratio - Fast and Easy Loans for Vacation Rentals

If you are looking for a vacation rental, we provide a No DSCR Ratio -Fast and Easy Loans. This loan is perfect for those who want to avoid the hassle of dealing with a DSCR loan. With a No DSCR Ratio -Fast and Easy Loan, you can get the financing you need quickly and easily.

How Does a No DSCR Ratio Loan Differ from Traditional Loans?

Traditional loans focus on your personal income instead of the rental income of the monthly rent, the monthly payment debt obligations to purchase loans for those mortgage brokers are based on the borrower's ability to prove enough cash flow from personal finance to cover the debt. We have an entire section on DSCR No Ratio Loans

Boost Profits on Single-Family Rentals

Maximize Single-Family Rental Profits with Airbnb or Vrbo

When your single-family rentals are not being leased/rented, you will be missing out on a huge market of people looking for a home to rent for a few days. This may not fit your traditional idea of keeping long-term contracts, but with an average occupancy rate of over 80% on short-term rentals, you may want to refinance or restructure to take advantage of this fast-growing market.

Introduce Your Renters to Local Attractions

Provided your renters are happy, they will more than likely rent from you again and even refer you to others. Making their living experience at your rental property an adventure to remember will ensure occupancy. Airbnb & Vrbo users are always looking for something local to do so it would be wise to research the area for attractions around your property. 

How to Finance Rental Property

Why Invest in Rental Properties?

Real estate can be purchased for many reasons. If you are an investor, you can use real estate to protect yourself from market volatility and have many other advantages.

Being a landlord is a great way to get a steady passive income, but sometimes you need some money to move. Investment property financing can take many forms as long as the borrower meets certain criteria. Many dream of boosting investment performance owning an apartment building investment property but have credit challenges, Rental Home Financing can help.

If you do not have sufficient funds to buy a large amount of real estate, a loan may be the only option. However, you could lose your investment if the loan you get is not right for you. Here are types of loans you can use to invest in real estate.

When you contact a lender, it is vital to understand the requirements and differences between what is out there and what is in there.

Fast 30 Year Landlord Loans

Loans for Landlords with 30 Yr Fixed Solutions

NO Tax Returns Required

We don’t really care about your personal tax returns.  We understand that most landlords write off expenses and may demonstrate a small or even loss on business returns. 

That’s OK with us…we base our decisions on the LTV and conservative cash flow of the collateral, not your W2, and no proof of employment is required.

Competitive Fixed Rates for Investors
RentalHomeFinancing.com a Direct Portfolio Lender, provides competitive, fixed rate, financing for bulk single family homes and apartment buildings that are for rent. 

Nationwide Footprint

We are offering permanent financing for investors with at least 1 rental property in most areas of the country with our innovative new programs geared toward the entrepreneur/investor. We also service foreign investors.

We will review the cash flow of the property and ensure they put you into a profitable position and will cover the annual debt service of >1.2x.  Our products are commercial loans based upon the cash flow of the property, not you personally. 

NEW - 30/30 Investment Loan Program:
30 Yr. fixed rates for 1 property at a time!

• 30 Year Fixed Rate – 30 Year Amortization

• NO Tax Returns Required

• NO 4506T Forms

• Funds Into Your LLC

• Declining Pre-Payment Penalty

• 75% Of As Is Value

• Unlimited Cash Out

• $75,000 - $5,000,000+ Loan Size

• Competitive Rates

• 620 Minimum FICO

• Close As Fast As 2-3 Weeks

 

NEW - "2nd Generation" Securitization Blanket Loan - Soon Arriving:

Before you sign and send thousands upfront of dollars away in hopes of obtaining a loan, give us a call to discuss your rental portfolio, goals, and opportunity. We OFTEN beat the overall structure of your current lender by offering more favorable loan docs, credit terms/conditions, and a much cleaner closing process. We guarantee it will not be a waste of time. Call us today...1-888-375-7977

 

Blanket Loan Highlights:

5 - 10 - 30 Year

• No Seasoning For Value - (Buy A House Today, Finance For Value Tomorrow)

• Loan Sizes $300K To $30 Million+

• Property Minimum Value - 50-75k - (Depends On MSA)

• Competitive Rates

• 70-75% LTV - LTC Max

• Full Term I/O Available To 60-65%

• Purchase - Refinance - Cash Out

• Unlimited Cash Out

• Blanket Loan Lender

• 5-10-30 Year Fixed Rates

• 30 Year Amortization

• Non US Citizenship OK To 65%

• 620 Min FICO

 Loan Doc Features - Truly Unique Program that will save you 1000's of dollars:

1.  NO Yield Maintenance PPP - Pre-Payment-Penalties)

2. NO Monthly CAPEX Reserve Requirements

3.  NO Long Bond Forms 

4.  NO Fee Requirements For Lender’s Attorney

5.  NO Post-Closing Liquid Reserve Requirements

6.  Recycle Existing LLC Is “OK”

Compatible with Your Current Investment Profile 

• No Need To Form A New LLC Such As Delaware - Use Your Existing One!

• Ability To Sell Or Release Properties At Any Time 

• Ability To Use Your Title/Escrow Company - Of Course Can Use Ours As Well...Your Choice!

• Far Easier Underwriting Guideline Model Than The Competition

• Expeditious Closing Process And Minimumal Closing Costs

Property Types Available for 2nd Generation Blanket Loans:

• Single Family Housing – 2 Property Minimum

• Group Of SFR’s, Condos, Townhomes

• Searching For Stated Multifamily?