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Power Your Portfolio with DSCR Loans | Valor Lending Group

Are you ready to Power Your Portfolio with DSCR Loans?

At Valor Lending Group, I help real estate investors reach their goals through competitive DSCR Investment Property Loan options. Whether you’re buying and holding rental properties or fixing and flipping for profit, these loans offer the flexibility and support you need to thrive. Power Your Portfolio with DSCR Loans and take advantage of tailored financing solutions designed to help you succeed in today’s dynamic market.

Take advantage of competitive financing for residential properties, cash-out refinancing for existing investments, and customized solutions to match your unique investment strategy. Let me help you unlock new opportunities and maximize your returns.

Call me, Hayden Madison, directly at 858-349-7538, or email me at hmadison@valorlending.com today!

How to Power Your Portfolio with DSCR Loans?

DSCR Investment Property Loans, also known as rental loans, are tailored for real estate investors focused on maximizing rental income. These innovative loans evaluate the cash flow of the property itself, rather than relying on the borrower’s income. With no need for tax returns, W2s, or pay stubs, they offer a simplified solution for securing financing.

How Does DSCR Work?

The Debt Service Coverage Ratio (DSCR) compares a property’s rental income to its total monthly expenses, including principal, interest, taxes, and insurance (PITI).

Formula:

DSCR = Rental Income ÷ PITI

Example:

• Rental Income: $3,200/month
• PITI: $2,756.79/month
• DSCR = $3,200 ÷ $2,756.79 = 1.16

A DSCR above 1 means the property generates enough income to cover expenses, while higher ratios indicate stronger cash flow. Properties with a DSCR over 1.25-1.50 often qualify for better rates and terms.

At Valor Lending Group, I specialize in Nationwide DSCR Loans for Real Estate Growth, helping investors secure competitive financing and unlock opportunities in markets across the country. Whether you’re buying, refinancing, or expanding your portfolio, I’m here to guide you.

Contact me today to learn how DSCR loans can fuel your investment strategy!

Advantages & Disadvantages of No-Tax-Return Investment Property Loans

Advantages

1. No Tax Returns Needed: Simplifies the application process by removing the need to provide tax returns
2. No Employment or Income Verification: Ideal for self-employed individuals and investors with unconventional income streams
3. No Personal or Business Income Considered: Focuses solely on the property’s cash flow, not the borrower’s financials
4. No Debt-to-Income Ratio Requirements: Qualification is based on the property’s performance, not the borrower’s overall debt obligations
5. Broader Accessibility: Enables real estate investors and self-employed individuals to qualify where traditional loans may fall short

Disadvantages

1. Larger Down Payment: Typically requires a higher upfront investment compared to traditional loans
2. Slightly Higher Interest Rates: Rates are marginally higher, reflecting the non-traditional underwriting process
3. Landlord Experience Requirements: Some lenders may prefer borrowers with prior landlord experience, though this varies
4. Credit Considerations: Personal credit history still plays a significant role in qualification and terms

DSCR Investment Property Loan Features

• No Tax Returns Needed: Simplified qualification process
• No Employment Verification: Employment details are not required
• Cash Flow-Based Qualification: Eligibility is determined by subject property rental income or market rents if vacant
• Flexible Property Types: Single-family homes, condos, and 1-4 unit properties are eligible
• Generous Loan Limits: Maximum loan amounts up to $6.5MM
• Unlimited Financed Properties: No cap on the number of properties you can finance

No-tax-return investment property loans are a powerful tool for expanding your portfolio and unlocking new opportunities. Contact me to explore how these programs can work for your real estate investment strategy.

Valor Lending Group offers multiple funding sources, unbeatable communication, great rates, and fast turn times.

Unlock new opportunities with our tailored refinance solutions, offering competitive rates that keep your property’s cash flowing.

Reach out today for a fast, personalized review of your scenario, and take the next step toward real estate success!

Recently Funded | Valor Lending Group

$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
$1,950,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Private Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA

And many more.

Every Project, Every Loan – Let’s Build Your Success Together!

Call me, Hayden Madison, today at 858-349-7538.

Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
2. Stated Income Loans (Great for business owners and self-employed) No tax returns!
3. 100% financing is available (we can cross-collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5MM
8. Raw Land & Lot Loans
9. Ground-up Construction for spec homes, custom homes, and commercial ground-up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 10% down Jumbo’s up to $1.5MM
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500MM
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice