Key Highlights for this loan

• Best For:

  • Real estate investors seeking no income documentation financing

  • Portfolio builders focused on rental cash flow

  • Self employed borrowers with complex tax structures

  • Investors transitioning from short term or bridge loans
     

• Qualification Method:

  • Based on property cash flow and debt service coverage ratio

  • Estimated market rent or actual lease income accepted

  • Personal income and employment verification not required

  • Strong reserves and asset position can strengthen approvals
     

• Credit Score Requirements:

  • Typically 620+ minimum guideline

  • Stronger pricing available for higher credit profiles

  • Credit history and investment experience considered

  • Lower leverage may allow flexibility
     

• Loan to Value (LTV):

  • Up to 85% percent standard leverage

  • Reduced LTV options for improved pricing

  • Cash out refinance available based on property performance

  • Portfolio level financing structures may be available
     

• Loan Structure:

  • 30 year fixed rate options available

  • Interest only payment options for qualified borrowers

  • Predictable long term financing for rental assets

  • Supports both purchase and refinance scenarios
     

• Eligible Uses:

  • Acquisition of residential investment properties

  • Rate and term refinancing

  • Cash out refinancing for reinvestment or liquidity

  • Stabilized rental property financing
     

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