If you’re working with clients who own or are acquiring multiple properties, you know that stacking individual loans can quickly become time-consuming and inefficient. Separate closings, overlapping timelines, and inconsistent underwriting can slow down deals and strain relationships.
At Dominion Financial Wholesale, we make it easy. Our Cross Collateral DSCR Loans allow you to finance up to 25 properties in a single loan, streamlining the entire process and giving your clients access to the flexibility they need, especially when traditional financing isn’t an option.
Consolidate Financing, Maximize Efficiency
With this program, your clients can combine the financing of multiple 1–4 unit properties into one simple, scalable loan. That means fewer closings, one monthly payment, and a more efficient way to build or manage a portfolio.
The Cross Collateral DSCR loan qualifies based on the property income, not the client’s personal income, which makes it ideal for self-employed borrowers or clients with non-traditional income documentation.
Key Features Brokers Can Count On
This product offers strong terms to help you stay competitive and serve a wider range of clients:
– Finance up to 25 properties under one loan
– Up to 80% LTV
– Loan amounts up to $3,000,000
– Cash-out available
– Applies to 1–4 unit properties only
– No TRID – use a GFE or LOI
– Originate in states that do not require licensing
– Optional loan processing support from our team
Whether your client is consolidating existing loans, acquiring new properties, or pulling equity for future opportunities, this structure simplifies everything.
A Practical Solution for Non-Traditional Borrowers
This program is especially valuable for clients who may not qualify under conventional full-doc guidelines. Whether they’re business owners, self-employed professionals, or those with complex income profiles, Cross Collateral DSCR offers a direct path to scalable financing without the friction.
Instead of qualifying based on income or tax returns, underwriting focuses on the debt service coverage ratio (DSCR) of the properties themselves. If the portfolio cash flows, the deal can move forward.
Simplify the Complex. Close with Confidence.
At Dominion Financial Wholesale, we specialize in making complex transactions manageable for brokers and their clients. Our Cross Collateral DSCR loan is built to serve those who don’t fit traditional lending boxes while keeping the process efficient, compliant, and broker-friendly.
Have a multi-property scenario to run by us? We’re ready to help. Contact our team or log in to the Broker Portal to get started.
