DSCR Loans – Smart Financing for Property Investors!

🚀 Scale Your Real Estate Portfolio with No Income Docs Required!

Unlock the power of Debt Service Coverage Ratio (DSCR) Loans – the ultimate financing solution for real estate investors who want to grow their holdings without traditional income verification! Whether you’re a seasoned investor or just getting started, DSCR loans offer flexibility, leverage, and fewer hurdles to help you build long-term wealth.

🏡 Eligible Property Types

✔ Single-Family (1-4 Units) – Expand your rental portfolio with ease
✔ Multi-Unit (5-10 Units) – Take your investing to the next level
✔ Mixed-Use Properties – Finance residential + commercial spaces with confidence

💰 Financing Highlights

✅ Up to 85% LTV – Maximize your investment power
✅ First-Time Investors Welcome – No landlord experience required
✅ Income Based on Market Rent or Lease Agreement – No W-2s or tax returns needed
✅ Flexible Rental Types – Long-term, short-term (Airbnb), and mid-term leases allowed

📜 Loan Terms & Requirements

🔹 Max 85% LTV – Purchase up to $3M+ on 1-4 unit properties
🔹 640 Minimum FICO – Competitive terms for qualified borrowers
🔹 Rate/Term Refinance: Up to 80% LTV | Cash-Out Refinance: Up to 75% LTV
🔹 Loan Options: 15- & 30-Year Fixed | 30- & 40-Year Interest-Only
🔹 2/1 Temporary Buydown Available – Lower your payments for the first two years!

🏆 Invest with Confidence!

Whether you’re a first-time investor or scaling your portfolio, our DSCR loan solutions give you the flexibility, leverage, and financial freedom to build lasting wealth through real estate.

📞 Ready to Get Started? Apply Now!      

 Susan Chagalian  (805) 598-0458   Susan@Barrettfinancial.com   NMLS# 1011185

Please note that all loan programs, rates and terms are subject to change without prior notice.