DSCR stands for Debt Service Coverage Ratio, and our DSCR mortgage is designed to help real estate investors and property owners finance their properties with greater flexibility and control. Unlike traditional mortgages that focus primarily on the borrower’s credit score and income, DSCR mortgages look at the cash flow of the property itself to determine the borrower’s ability to repay the loan.
With a DSCR mortgage, borrowers can secure financing for their properties based on the property’s actual income and expenses. This means that borrowers with lower credit scores or irregular income streams can still qualify for financing if their properties generate enough cash flow to cover the loan payments.
Smart, seasoned investors generate recurring monthly revenue through rental properties. Taking advantage of the best rental properties in your area requires fast access to funding, not only to purchase the property but to make the required repairs and capital improvements that allow you the greatest return on your investment.
Investing in a property is a great way to make passive income here at United Home Financial I can help make your property investment goals a reality by providing the right financing to get you started.
An investment loan is for a single-family, townhome, condo, or multi-unit property that has been purchased with the intention of earning a return on the investment, either through rental income, future resale, or both.
For those interested in buying an investment property, I offer loans to fit your unique needs.
Single-family, condos, townhomes, multi-family 2-4 units.
No personal income is required.
5 & 7 years ARM and 30-40 Year Fixed-Rate Rental Loans
Loan amounts up to $3 million
United Home Financial provides a wide variety of real estate investment loans to real estate investors. Popular real estate investment loans include investment property purchase loans, investment property refinances loans, and investment property rehab loans.
Real estate investor loans help borrowers quickly secure investment property or borrow against real estate they already own. We can provide same-day approvals and provide financing within days. The speed of loan approval and financing allows borrowers to capitalize on short-term opportunities and use leverage to maximize their investment yield.
While banks can take 2-3 months to approve and fund a real estate investment property, private money real estate investment lenders can approve and finance within a week.
The main requirement for obtaining real estate investor financing is having sufficient funds for a down payment or equity in an existing property. A down payment of at least 20-30% is generally required for real estate investment financing. For refinancing existing real estate investments, the borrower will need to maintain equity of at least 30% (allowing cash out up to 75% of the value of the property).
Residential real estate investment loans are available for various property types including single-family residences, condominiums, apartment buildings, and other multi-family properties (duplex, triplex, fourplex, etc.). Loan to value ratios up to 70-75% is available for residential real estate investment loans with financing terms up to 30 years.
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