Investor Flex DSCR Loan Program

Key Features

• Loan Type: 30-year fixed rate
• Purpose: Business-purpose loans, exempt from ATR, QM, and HPML
• Property Type: Investment properties only (up to 20 acres)
• Loan Options: Purchase, rate & term refinance, and cash-out refinance
• Max Loan Amount: $2,000,000 (second appraisal required above $2M)
• LTV & Reserves:
  • Max LTV: 80%
  • Unleased properties require a 10% LTV reduction
  • Minimum DSCR: 1.00
  • Minimum 6 months reserves required (pricing adjustments for <12 months)
• Prepayment Penalties: Flexible options (1-3 years) as permitted by state law
• Eligibility & Restrictions:
  • Minimum FICO: 640
  • Up to 20 financed properties allowed
  • First-time homebuyers and manufactured homes are not eligible
  • Not available in West Virginia or for Texas 50(a)(6) loans
• Cash-Out Limits: Max $1,000,000, not usable as reserves

Additional Benefits

• LLC/Business Entity Vesting:
  • Allows closing under LLC, partnership, or corporation with required documentation
  • Streamlined approval for entities meeting eligibility requirements
• Gift Fund Options:
  • LTV <70%: Up to 10% gift funds allowed
  • LTV 70.01%-80%: Up to 5% gift funds allowed
• Simplified Credit Impact: Loan does not report to personal credit unless delinquent

Why Choose Investor Flex?

The Investor Flex DSCR Loan Program is designed for experienced investors seeking flexible financing options for maximizing their portfolio. Whether purchasing, refinancing, or leveraging cash-out, Investor Flex provides tailored solutions to meet your investment goals.

For more details or to start your application, contact us today!