Equity First DSCR Loan

If your credit score kept a deal from closing, this product was built for you. Equity First DSCR qualifies borrowers based on the property’s equity, not their credit score. Built for investors with strong assets but credit challenges

DSCR 1-4 Units

  • Loan amounts up to $5M
  • Credit scores as low as 600
  • Up to 80% LTV
  • Condotels and non-warrantable condos allowed
  • No seasoning required on cash-out refinances and chain of title

DSCR 5-8 Units

  • Loan amounts up to $3M
  • Credit scores as low as 700
  • Up to 75% LTV
  • Two vacant units allowed
  • No seasoning required on cash-out refinances and chain of title
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Rental Loan

Our top-tier DSCR Loan is designed for cash-flowing investment properties, whether you’re expanding your portfolio or refinancing to unlock equity. Whatever your investment strategy, we have the perfect loan solution for you.

  • Loan Amounts: $150k- $3.5m (Blanket Portfolio Loans up to $5m)
  • Rates: starting at 5.50%
  • LTV: up to 85% (Acquisition/ Rate-Term Refinances), 75% cash out refinances
  • Occupancy: Long-Term or short term (AirBNB, VRBO, Vacation homes)
  • Vacancy ok on aquisitions 
  • No operating history required on STRs
  • 30 year Fixed Rate
  • Credit Score: 640 minimum

DTI: Not applicable (We don’t require tax returns or your personal income or when evaluating your application)

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