Investor Cash Flow (DSCR) Loans

Empower your clients with our Investor Premier DSCR products, tailored to meet the diverse needs of real estate investors. Whether financing single-family, multi-family, or mixed-use properties, these loans offer competitive rates, streamlined qualification based on rental income, and flexible terms to help your clients achieve their investment goals.

Products

Investor Premier

Our core DSCR product for 1-4 unit investor properties.
Ideal for borrowers seeking competitive rates and
streamlined qualification based on rental income.

1-4 Unit Financing Allowed
Minimum DSCR of .75x
660+ FICO Credit Score
Cash Out Refi to 75% LTV
Purchase/Rate & Term to 75% LTV
DSCR Qualification - No Personal Income Required
Closing as a Business Entity Allowed
Fixed Rate Terms Available
Minimum Loan Amount of $150,000
Maximum Loan Amount of $2,000,000

Investor Premier Plus

Investor Premier Plus is a DSCR product for 1-4 unit business-purpose investment properties with exceptional pricing available. Qualification is based on rental income instead of personal income.

1-4 Unit Financing Allowed
Minimum DSCR of 1.0x
700+ FICO Credit Score
Cash Out Refi to 70% LTV
Purchase/Rate & Term to 75% LTV
DSCR Qualification - No Personal Income Required
Closing as a Business Entity or Individual Allowed
Fixed Rate Terms Available
Minimum Loan Amount of $150,000
Maximum Loan Amount of $1,500,000

Investor Premier Elite

Investor Premier Elite is a DSCR loan product for Single Family Business Purpose investor residential transactions that allows investors to qualify on a cash-flow basis.

SFR Financing Allowed
Minimum DSCR of 1.0x
680+ FICO Credit Score
Cash Out Refi to 75% LTV
Purchase/Rate & Term to 80% LTV
DSCR Qualification - No Personal Income Required
Foreign Nationals Eligible
Closing as a Business Entity Required
Fixed Rate Terms Available
Minimum Loan Amount of $150,000
Maximum Loan Amount of $1,500,000

Investor Premier Multifamily

Investor Premier Multi-Family is a DSCR loan product for 5-10 Unit Business Purpose investor residential transactions that allows investors to qualify on a cash-flow basis.

5-10 Unit Financing Allowed
Minimum DSCR of 1.2x
700+ FICO Credit Score
Cash Out Refi to 65% LTV
Purchase/Rate & Term to 70% LTV
No Income or Employment Required*
Closing as a Business Entity Required
Fixed Rate Terms Available
Minimum Loan Amount of $400,000
Maximum Loan Amount of $2,000,000

Investor Premier Foreign National

Investor Premier Foreign National is a DSCR loan product for Foreign Nationals looking to purchase or refinance 1- 4 unit rental investment properties. Qualification is based on property rental income.

No credit score required
Minimum DSCR of .75x
Cash Out Refi to 70% LTV
Purchase up to 75% LTV
Short and Long-Term Rental
Foreign Nationals Eligible - LLC, Partnerships, Corporations Allowed
Condos & 1-4 Unit Investment Properties
Minimum Loan Amount of $175,000
Maximum Loan Amount of $1,500,000

Investor Premier Cross-Collateral

Investor Premier Cross-Collateral is a DSCR loan product designed for investors looking to purchase or refinance multiple 1-4 unit rental properties under a single loan. Qualification is based on property rental income, with flexible terms to support diverse investment strategies.

Loan Amounts: $400,000 - $3,000,000
Blanket Loans: 3-25 properties allowed
1-4 units & condos only (no mixed-use/rural)
Min. DSCR: 1.00 (amortizing) or ≥1.20 (interest-only)
Credit Score: 660 (max LTV 65%), 700 (max LTV 70%)
Fixed and Adjustable Rate Terms Available
Investment Properties Only (No owner-occupied)
Cash-Out: Allowed, can meet reserve needs
Prepayment: Declining options up to 5 years
Reserves: 2-12 months PITIA (based on loan size)

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