NO DSCR Loans - Purchase

No Rental Income or Cash-Flow requirements

Low as 15% Down Payment
10% Seller Carry Back 2nd TD

 

What is a No-DSCR Loan?

Discover a smarter, hassle-free way to fund your investment properties! A No DSCR Loan—also known as a No Ratio DSCR Loan or No Debt Service Coverage Ratio Loan—eliminates traditional roadblocks for investors.

With no need to prove rental income or meet stringent cash-flow requirements, you can qualify   quickly and confidently for purchases or refinances.

How You Can Buy an Investment Property with
as Little as 15% Down

90% CLTV

With our Seller Carry Back 2nd TD program, you can achieve a 90% Combined Loan-to-Value (CLTV) with just 15% down.

Examples with a $1,000,000 Purchase Price

  • 15% Down Payment:
    Buyer provides $150,000.
    Seller carries back 10% ($100,000) as a second trust deed.
    Maximum combined Loan-to-Value (CLTV): 90%.

 

Key Features of the No DSCR Loan Program

  • Purchase, refinance, or Cash-Out Refinance: up to 75% loan-to-value (LTV)

  • No Tax Returns or Income Proof Needed

  • No reserves required: Retain your cash for other investments
  • 90% Maximum CLTV: with low as 15% down payment and 10% seller carry back 2nd TD (minimum 3-year term)

  • Minimum credit score: 700

  • Quick funding: close in as little as 2-3 weeks

Flexible Loan Term Options

Choose loan terms that align with your investment strategy:
skip income and cash-flow requirements.

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30-Year Fixed Rate

or Interest-Only Terms up to 10 Years

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Loan Amounts

$250,000 to $5 million

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Flexible Title Options

Purchase or Refinance under an LLC, corporation, or individual name.

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Eligible Property Types

Single-Family Homes, Condos, Townhomes, and 2-4 Unit Properties.

The No DSCR Loan Process

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Talk to an
expert today

Get a free consultation and quick quote

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Get
Pre-approved

Receive your terms within 48 hours, know your rate and costs upfront

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Close
Fast

Appraisal and final underwriting take just 2-3 weeks

Don't Wait! Start Your Investment Journey Today

Let's Run the Numbers.

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