1. Debt Service Coverage Ratio (DSCR): The minimum acceptable DSCR is 0.

2. Property Types: Residential & Mixed Use (50-50.) Make sure to contact us about commercial.

3. Credit Score Requirements: Minimum Credit score: 620. Credit scores below 620 may be eligible for up to 50% LTV.

4. Investor History: New investors welcomed. No owned properties required.

5. Minimum Loan Amount: $70,000.

6. Rural properties - Acceptable.

7. Properties can close in individual & LLC. (Exceptions available for special programs.)

8. Vacancy: Vacant units are acceptable for reasons such as renovations, or currently listed for rent.

9. Loan to Value: Purchase as low as 15% down payment required. Refinance up to 80% LTV (75% for cash out).

10. Terms: 10 year interest only, 30 year fixed and shorter terms. ARMs available as well.

11. Foreign Nationals & NPRA accepted

• Minimum Credit Score: As low as 680. (Exceptions in some cases)

• Loan-to-Value (LTV): Typically up to 70%-75% of the property value.

• Income Verification: Rental income can be used in place of traditional income verification.

• Property Types: Eligible for single-family, multi-family, vacation rentals, and mixed-use properties.

• DSCR Ratio: 1.05+

• Portfolio Size: 3 Properties Minimum.

• Customized Terms: Interest-only payments and adjustable-rate options available.

• LTV: Max 70%

• Income: Rent roll and/or bank statements,

• Property Type: Most properties except for, rooming houses, nurseries, underground tanks.

Due to the typical complexity of commercial loans we advise contacting our experts to assist with your inquiry.