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DSCR Loans
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What is the minimum DSCR ratio required to qualify for a loan?
Most lenders require a DSCR ratio of 1 or higher, indicating that the property generates enough income to cover loan payments.
Common ranges: 1.20–1.25+ for residential investment properties. 1.10–1.15+ for more flexible or risk-tolerant lending.
A DSCR below 1 indicates insufficient income to cover debt obligations.
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Are DSCR loans only for large, commercial properties?
No, DSCR loans can also be used for smaller rental properties, making them versatile for different types of real estate investments. Includes single-family homes, small multifamily properties, and other income-generating real estate.
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How much down payment is needed for a DSCR loan?
Generally, a 20% down payment is required. However, if the property has sufficient equity, it may be used to cover the down payment.
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How quickly can I get approved for a DSCR loan?
Approval times for DSCR loans are often faster than traditional loans, thanks to their focus on property income rather than personal financials.
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Do I need a perfect credit score to qualify for a DSCR loan?
No, a perfect credit score is not required. Borrowers typically need a credit score of at least 650 to qualify.
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Can I refinance an existing rental property with a DSCR loan?
Yes, DSCR loans are a great option for refinancing rental properties to unlock equity or improve cash flow.
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What are the typical interest rates for DSCR loans?
DSCR loans usually have interest rates ranging from 6.5% to 8%, which are competitive compared to many traditional loan options.
Bridge Loans
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How quickly can I secure a bridge loan?
Bridge loans are known for their speed, with approvals often happening within days, allowing borrowers to act swiftly in competitive markets.
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What is the required loan-to-value (LTV) ratio for a bridge loan?
Our bridge loans require a maximum LTV ratio of 75%, meaning borrowers can finance up to 75% of the property’s value.
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What are ARV and LTC loans, and how do they differ?
ARV loans are based on the projected after-repair value of a property, while LTC loans focus on the total cost of acquisition and renovation. Both options are available to tailor the loan to the project’s needs.
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Who typically uses bridge loans?
Bridge loans are popular among real estate investors, fix-and-flippers, and homebuyers who need quick access to funds for property acquisitions or renovations.
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What is the collateral for a bridge loan?
The collateral is often the property being purchased or renovated, and the loan amount may be based on its projected after-repair value (ARV) or loan-to-cost (LTC) ratio.
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What is the typical term for a bridge loan?
Bridge loans have a term of 0 to 6 months, making them ideal for short-term financial needs.
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How much funding can I receive with a bridge loan?
bridge loans provide 100% funding for both the purchase price and remodel costs, reducing upfront financial burdens.
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