Income Based on Property Cash Flow: Loan approval is based on the investment property’s rental income rather than the borrower’s personal income, making it ideal for investors.
No Personal Income Documentation Required: Simplified qualification process, with no need for tax returns or proof of employment—just the property’s cash flow details.
Flexible Qualification: Focuses on the Debt Service Coverage Ratio (DSCR), which compares the property’s rental income to the mortgage payment, allowing for easier approval.
Ideal for Investors: Perfect for borrowers with multiple properties or self-employed individuals with non-traditional income sources.
Competitive Loan Terms: Available with both fixed-rate and adjustable-rate mortgages, offering flexibility in loan structure.
Financing for 1-4 Unit Properties: Can be used to purchase or refinance residential investment properties, including single-family homes and multi-unit buildings.
No Limit on Number of Properties: Typically allows financing for multiple properties, making it easier to expand your real estate portfolio.
Higher Loan Amounts: Offers higher loan amounts for properties with strong cash flow, maximizing your investment potential.
