Valor DSCR Loans Are an Excellent Choice for Arizona Investment Property Opportunities
DSCR loans are ideal for investors, business owners, or commission based who are not able to disclose certain income to qualify their debt-to-income ratio. Also great for individuals that have not been in their current industry for more than 2 years.
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-Pablo Picasso
Learn What a DSCR Investment Property Loan Is
DSCR Investment Property Loans is a type of financing to purchase or refinance an investment property that currently or potentially has cash flows that produce enough rent to completely cover their principal, interest, taxes, and insurance payment. The DSCR calculation is the property’s current or future rents divided by the new PITI monthly payment. If your property produces cash flow of over a .75 percent then the loan is conditionally approved.
Learn What a DSCR Investment Property Loan Is
DSCR Investment Property Loans is a type of financing to purchase or refinance an investment property that currently or potentially has cash flows that produce enough rent to completely cover their principal, interest, taxes, and insurance payment. The DSCR calculation is the property’s current or future rent divided by the new PITI monthly payment. If your property produces a cash flow of over .75 percent then the loan is conditionally approved.
Here’s how to interpret your DSCR :
- DSCR < 1: You have negative cash flow. You don’t have enough rental income to service the debt (New PITI payment).
- DSCR = 1: You have exactly enough rental coming in to service the debt (New PITI payment), but you don’t have an additional cash cushion.
- DSCR > 1: You have positive cash flow. The higher your DSCR, the more income you have to service the debt (New PITI payment).
Highlights of a DSCR Investor Cash Flow Loans
- No Tax Returns Required
- Employment not Required
- No Income Required
- No Disclosures required or Required Wait Periods
- Loan Amounts Up to 2.5 million
- First Time Investor OK
- No Income / No Employment / No DTI Required
- Gifts & Business Funds Allowed
- Minimum FICO 620
- 40 Year Interest – Only Option
- Cash Out Up to 750k
- Up to 85 percent LTV – No Mortgage Insurance Required
- LLC & Corporations Allowed
- No Ratio Option Available (No Rental Agreement)
VALOR LENDING GROUP
Recap of our Loan Products
- Hard Money Loans (20% down / minimal documentation) are Typically funded in 7-10 days.
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow – No DSCR Coverage is needed!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $1.5mm
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
Other Programs we Offer:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing |10% down Jumbo to $1.5mm
- FHA, USDA
- Reverse mortgages up to $1 Million in Value
- Cash-Out Refinancing
We look forward to the opportunity to serve you!
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