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Unlock the equity in your investment property! 

Valor Lending Group’s Investor Cash Flow mortgage program allows you to qualify based on personal credit and property cash flow.

No personal income required to qualify, no need to submit income statements or tax returns.

Best for investors looking for non-bank financing solutions for 1-4 Unit Rental Properties.

Investor Cash Flow (DSCR) Program Highlights

• No personal income used to qualify (no job or income listed on 1003)
• No Tax Returns or 4506T required
• No DTI developed or employment verified
• Rental income is used to calculate cash flow from the subject
• Up to 85% LTV
• DSCR down to .80 (with compensating factors)
• No Landlord history (with compensating factors)
• Loan Amounts to $5M
• Option to Qualify on Interest-Only Payment
• Qualify using Leases OR Market Rents
• Up to 15 financed properties allowed

Call or email me for immediate attention to your scenario.

Valor Lending Group also offers literally every loan in the book! Check out more information on our programs below and please do not hesitate to call on me for any scenarios.  I look forward to an opportunity to demonstrate my prompt and professional service.

Recap of our Loan Products: 

1. Stated Income Loans (No Tax Returns, no W-2s, No P&L)
2. Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
4. Flipper Loans (Flip a property with one of our many options)
5. Line of Credit
6. Foreign Nationals Loans (no social security or residency required)
7. Raw Land or Lot Loans
8. Ground up Construction for spec homes, custom homes and commercial ground up.
9. 2nd-Position Loans up to $5mm
10. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
11. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
12. 10% down Jumbo’s with NO MI up to $2.5mm
13. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
14. Acreage Properties
15. Commercial Loans up to $500mm
16. 5% down Jumbo (Up to $2mm Lender paid PMI)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. Refinance including Cash Out