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This program is designed for real estate investors and qualifies borrowers based on cash flows solely from the subject property. It is designed for both experienced real estate investors and first time investors provided certain qualifications are met. First Time Home Buyer is not allowed. Generally, borrower must have a history of owning and managing commercial or residential investment real estate for a period of at least 12 months. Proof of this investor experience must be in loan file.


  • No Income | No Employment Verification | No Tax Returns | No DTI Calculated
  • No Vacancy Factor
  • No Prepayment Penalty Option
  • AirBnB | VRBO | Short Term Rentals Allowed
  • Cash Out can be used for reserves
  • Rate/Term Refi | Cash-Out Refi
  • Loan amounts up to $2MM | Cash- out refi up to $2MM
  • LTV up to 80% | Minimum FICO 660
  • Business funds allowed for down payment, closing costs, & reserves
  • Borrower can own unlimited financed properties
  • Vest in an LLC
  • Interest only option available
  • Quick Closings



Qualifying for this loan is extremely easy!

We take the gross rent and divide it by the principal, interest, taxes, insurance and any association dues (your monthly mortgage payment). As long as the rent is equal to or great than the mortgage… Your Property Qualifies!

Example: Rent $1,000 with PITIA of $599.55

  • Rent $1000 ÷ 1.00 = $1000 Rent $1000 ÷ PITIA $599.55 = DSCR @ 1.66%
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