Cash Flow Based Loans for Real Estate Investors
If you’re a real estate investor searching for a flexible financing option, Direct Home Loans offers DSCR (Debt Service Coverage Ratio) Non-QM loans tailored for your investment properties, including short-term rentals like Airbnbs.
Why Choose a DSCR Loan?
Our DSCR loans are designed with investor-friendly features:
- No Minimum DSCR Requirement: Qualify with a DSCR as low as 1.0 for loans up to $3.5 million and even below 1.0 for loans up to $3 million.
- Income Flexibility: Skip the traditional income and employment verifications. With DSCR loans, we focus on the cash flow from your investment property, making the process faster and smoother.
Unique Benefits with Direct Home Loans DSCR Loans
- Faster Approvals: With cash flow-focused underwriting, DSCR loans offer quicker closings—ideal in today’s competitive market.
- Transfer Appraisals: Save on appraisal costs by transferring existing appraisals.
- Flexible Asset Requirements: Only 30 days of assets documentation needed for closing funds and reserves.
- First-Time Investor Friendly: Qualify for up to 75% LTV even as a new investor.
- Gift Funds Allowed: After a 10% contribution from your own funds, gift funds are accepted.
Loan Details
Our DSCR loans can be used for:
- Property Types: Single-family homes, condos, 2-4 unit properties, and short-term rentals.
- Loan Terms: 30-year fixed, SOFR ARMs (5/6 & 7/6) with Interest-Only options.
- Maximum LTV: 80% for purchases, 75% for cash-out refinances.
Why Work with JMAC Lending?
Direct Home Loan’s DSCR Non-QM loan offers a smart way to finance your real estate investments. By focusing on rental income, we simplify the process, provide flexible funding options, and support a wide range of property types, including high-performing short-term rentals.
Take advantage of a quick, cash-flow-based solution to grow your real estate portfolio with confidence.
