The Debt Service Coverage Ratio (DSCR) Loan qualifies on the rental income from the investment property.

A property with positive cash flow can secure a better rate, though cash flow is permissible under specific conditions.

The application does not require any employment or income information.

Edge DSCR:

• Max LTV 80%

• Min FICO - 700​

• Minimum Debt Ratio - .80

• 1x30x12 mortgage rating

Access DSCR:

• Max LTV 80%

• Min FICO - 640

• Minimum Debt Ratio - .75

• 0x30x12 mortgage rating