Loan Program
Rental Property Cash-Flow Loan (DSCR)
An investment-property loan that uses a debt-service coverage ratio to compare rental income with the property payment.
An investment-property loan that uses a debt-service coverage ratio to compare rental income with the property payment.
Program overview
- Investment-property purchase, rate-and-term refinance, and business-purpose cash-out structures are addressed.
- Qualification uses a debt-service coverage ratio rather than personal income documentation.
- Property cash flow, lease or market-rent support, reserves, credit, and transaction requirements apply.
Who this may help
Real-estate investors reviewing qualification based primarily on investment-property cash flow.
Key guidelines
- Investment-property purchase, rate-and-term refinance, and business-purpose cash-out structures are addressed.
- Qualification uses a debt-service coverage ratio rather than personal income documentation.
- Property cash flow, lease or market-rent support, reserves, credit, and transaction requirements apply.
Important notes
Program information is summarized from the current wholesale source guidelines. Requirements and availability may change. A complete borrower, property, and transaction review is required before determining whether an option is available.
Best next step
Contact RGI Mortgage to review the complete scenario and compare available options.
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Next Step
Questions about this loan program?
Talk with RGI Mortgage about whether this option may fit your situation before choosing a loan path.