Summary of published terms
- Loan types
- DSCR / rental
- Channel
- Direct to investors
- Min FICO (lowest stated)
- 620
- Max purchase LTV
- 85%
- Max cash-out LTV
- 80%
- Min DSCR
- No minimum
- Loan size
- $100K–$4.5M
- Prepayment penalty
- Most DSCR loans carry 1–5 year penalties; no-prepay options available.
- Short-term rentals
- Yes
- Foreign nationals
- Yes
- Coverage
- Originates DSCR loans in all 50 states + DC.
Note: Foreign national lending offered as a separate program (site menu).
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Program details
DSCR / rental program
- Loan size
- $100K–$4.5M
- Min FICO
- 620
- Max LTV
- 85% purchase (15% down at 740+) / 80% cash-out
- Min DSCR
- No minimum; no-ratio option