Benefits of our DSCR PORTFOLIO LOANS
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Nationwide lending availability
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Asset-based loans up to 80% for purchases and rate-and-term refinancing, 75% for cash-out refinancing
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Fast closings, as quick as 3 weeks
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In-house processing
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No income verification or tax returns needed
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Extended amortization periods beyond traditional bank limits
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Unlimited investment opportunities with adaptable financing solutions
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Flexible prepayment penalty options
EXPLORE OUR DSCR PORTFOLIO LOAN TERMS
Secure the financing you need for your rental property. Whether you're looking to finance a single-family rental, 2-4 unit properties, condos, or townhomes, we have the solution. Our clear and flexible DSCR portfolio loan terms are designed to meet your needs, with underwriting based on your property's cash flow rather than your personal income.
PROGRAM OVERVIEW
PROPERTY TYPES
Single Family, 2-4 Unit Townhomes, PUD, Warrantable Condos
LOAN AMOUNT
$250,000-$50,000,000
LOAN TYPES
30 Year Fixed Rate Mortgage( Fully Amortizing)
5/6, 7/6, 10/6 HybridARMs(Partially or Fully Amortizing
MAXIMUM LOAN TO COST
If owned< 3 months 80% of Total Cost Basis
MAXIMUM LOAN TO AS IS VALUE
Purchase/ Rate & Term 80%
Cash out Refinance 75%
MINIMUM DSCR
For portfolios with < $2MM & <10 Properties 1.10x (Gross Rent/PITIA)For all other portfolios 1.20x (Net Cash Flow/ Debt Service
TERM LENGTH
5, 10 & 30 Years
RECOURSE
Non Recourse with "Bad Boy" carveouts and Pledge of Equity of Borrowing Equity
MINIMUM GUARANTOR FICO
For portfolio with <$2M & < 10 Properties Mid Score of 660
For all other portfolios Mid score of 680
LEASE REQUIREMENTS
Minimum Occupancy Rate of 90% by Unit Count
Leased Units Lower of (i) In- Place Rent & (ii) Market Rent
Unleased Units 90% of Market Rent(Purchase Loans Only)
DSCR PORTFOLIO FINANCING STARTS HERE
Enjoy a seamless, straightforward, and transparent process for your real estate investments with US Capital Advisor's DSCR Portfolio Loan program. From the first consultation to final funding, our loan process is carefully designed for easy success. Manage your rental properties with confidence, supported by our efficient and tailored financing solutions.
Review Your Investment Goals
Get personalized support from a dedicated loan officer who understands your unique project and financial goals. Whether you're just getting started or you're a seasoned investor, we're here to provide tailored advice and the funding solutions you need to succeed.
Get A Tailored Quote
We'll create a customized loan quote tailored to your project, ensuring it aligns seamlessly with your goals.
Document Collection and Review
Our efficient process simplifies the paperwork by gathering and reviewing the required documentation, ensuring a hassle-free experience for you.
You’ve Secured Funding
Congratulations! Get ready to bring your project to life with US Capital Advisors exciting times are ahead!
WHY CHOOSE US CAPITAL ADVISORS FOR YOUR NEXT DSCR LOAN?
Our tailored DSCR Portfolio Loan offers the flexibility to finance multiple investment properties. With this loan, you can explore a variety of options and customize your financing to match your investment strategy. Whether you're purchasing single-family rental homes, 2-4 unit properties, condos, or townhomes, our DSCR Portfolio Loan is designed to meet your specific needs.