DSCR 1- 4 Units

Loan originators working with Loanhouse can take advantage of the 1-4 Unit DSCR (Debt Service Coverage Ratio) loan programs, designed specifically for real estate investors. These programs focus on a property's rental income rather than the borrower’s personal income, making them ideal for investors who may not qualify through traditional income verification methods. Loanhouse offers competitive LTVs (Loan-to-Value ratios), flexible underwriting guidelines, and interest-only options to cater to various investment strategies. With no personal income or employment verification required, these loans streamline the approval process, allowing investors to scale their portfolios efficiently. Whether for purchase or refinance, the Loanhouse 1-4 Unit DSCR loans provide a straightforward financing solution for investors seeking to maximize cash flow and expand their real estate holdings.

Product Highlights

Improved pricing for DSCR 1.25% or greater

Minimum DSCR .750%

Loan amounts as high as $3,500,000

Maximum LTV to 85% to $1,500,000 with +740 FICO

1 x 30 Mortgage Late

12-months seasoning on Ch 13 BK

24-months seasoning on Short Sale, Deed in Lieu, or Ch 7 BK

Short Term Rentals ok

2-4 Units to 80% LTV

Warrantable Condo to 80% LTV

Non-Warrantable Condo 75% LTV

Reserves – Inexperienced investors: 6 months. Experienced investors 3 months.
Proceeds from a cash out refinance may be used as reserves for experienced investors.