Direct to Investor Lending
DSCR
Investor
Loans
1 to 4 Units Specialists for
Interest Only & Jumbo Mortgages
Direct to Investor Lending
DSCR
Investor
Loans
1 to 4 Units Specialists for
Interest Only & Jumbo Mortgages
Direct to Investor Lending
DSCR
Investor
Loans
1 to 4 Units Specialists
for Interest Only and
Jumbo Mortgages
Purchase or Refinance
Direct DSCR Lending
Ask about 5.99%* 30-Year Fixed Rate DSCR Loan, LLC Friendly!
Loan Amounts: $150K–$3M Cash-Out: Up to $2M Terms: 15-Year or 30-Year Fixed Rates Option: 10-Year Interest-Only Documentation: None Required—No Tax Returns, No W-2s Eligible Properties: 1–4 Units, Including Airbnb & VRBO Ownership: LLCs Accepted. Fast Approvals. Lowest Rate Guaranteed!
Purchase or Refinance
Direct DSCR Lending
Ask about 5.99%* 30yr Fixed, with 10yr IO option — DSCR-Based, LLC Friendly!
Loan Amounts: $150K–$3M;
Cash-Out: Up to $2M
Terms: 15-Year or 30-Year Fixed Rates
Option: 10-Year Interest-Only
Documentation: No Tax Returns, No W-2s
Eligible Properties: 1–4 Units, and Airbnb & VRBO
Ownership: LLCs Accepted
Fast Approvals. Lowest Rate Guaranteed!
Call now. Get clarity.
No gatekeeping.
Match & Beat Guarantee Program
Match & Beat Guarantee Program
Match & Beat Guarantee
Match & Beat Rules
Restrictions
No Proof of Income Required
No tax returns or W-2s needed. Our DSCR loans rely on your credit and property cash flow—not personal income. Qualify faster and invest smarter with minimal documentation. Get Pre-Qualified Today!
10yr IO Option, 5.99%* Fixed—Built for Investors
Whether you’re scaling or refinancing, our Single Family Rental (SFR) loans deliver: DSCR-qualified, LLC-approved, and flexible interest-only terms. Best rate—guaranteed. Get Started Today!
5.99%* Fixed—Direct Lender, No Broker Fees!
No W-2s. No personal income docs. 30yr fixed SFR mortgage based on property cash-flow DSCR 1.0+, and your FICO score. Up to $3M for purchase, $2M for refi cash-out. LLCs welcome. Get pre-approved in minutes!
Why Savvy Investors Go Direct
- In-House Underwriting & Decisions Skip the middleman and get funded faster. Direct access to decision-makers means quicker turnarounds and fewer roadblocks.
- More Competitive Rates & Fees Going direct eliminates broker commissions—often resulting in lower interest rates and reduced origination fees.
- Deep DSCR Expertise As a direct DSCR lender, we bring specialized knowledge in underwriting and structuring investor-focused mortgage solutions.
- Seamless Experience One point of contact from start to finish. You’ll work with a dedicated loan officer throughout the process for a consistent, personalized experience.
Why Savvy Investors Go Direct
- Faster Closings: Skip the middleman, get funded quicker.
- Lower Costs: No broker fees means more savings for you.
- Direct Decisions: In-house underwriting for faster approvals & flexibility.
- Expert Guidance: Specialized DSCR knowledge, tailored for investors.
- Seamless Experience: One point of contact, start to finish.
- Your Growth, Accelerated: Direct access to capital for your portfolio.
1 to 4 Residential
Expand your residential portfolio. Secure DSCR financing for single-family homes or 2-4 units based on rental income, not your personal W2s. Start Your Investment!
5 to 8 Multifamily Loans
Tap into DSCR financing for small multifamily properties and grow your portfolio with flexible terms and minimal documentation. Expand Into Multifamily with Confidence!
Mixed-Use Property Loans
Diversify your holdings. Get DSCR financing for mixed-use properties, leveraging both residential and commercial income streams. Fund The Next Mixed-Use Deal!
Contact Mortgage Banker
Quick Response Form
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NOTE: We respect your privacy.
We will never sell or share your information with spammers!
Get DSCR mortgages from ClosingPoint for rentals in: AL, AZ, CA, CO, DC, FL, GA, ID, IL, MD, MI, MN, NC, NJ, NV, OH, OK, OR, PA, SC, TN, TX, VA, and WA.
Turn Opportunity into Asset.
Get DSCR Smart Financing.
Apply Today, Risk Free. It only takes a few minutes to get started.
1 to 4 Units DSCR Financing
DSCR Loan Features
⚪ Loan Amounts & Use
- Loan Purposes: Available for Purchase, Refinance, and Cash-Out
- Loan Amounts: Borrow from $150,000 to $3,000,000
- Cash-Out Option: Access up to $2,000,000 in cash
⚪ Loan Terms & Structure
- Loan Types: 30-Year Fixed Rate;
∘ Interest Only Option - Interest Rate Buy-Down: Available to lower upfront rates
- No Prepayment Penalty: After 36 months (shorter period available)
⚪ DSCR Requirements
- 1–4 Unit Residential Properties: As low as 0.50 (Negative cash flow is acceptable on qualifying deals)
- 5–8 Unit Multi-Family & Mixed-Use Properties: As low as 1.00
⚪ Loan-to-Value (LTV)
- Purchase LTV: Up to 80% for Single-Family Residences (SFR); lower rates with smaller LTV
- Refinance LTV: Up to 75% for SFR; lower rates with smaller LTV
Income & Documentation Requirement
- Qualify Based on Property’s Rental Income — not your personal income
- No Income Verification Required — no W-2s, tax returns, or financials needed
- No Debt-to-Income (DTI) Ratio Calculation
- No Lease Required — market rent can be determined via appraisal
- Interest-Only (IO) Feature Available — can be used to calculate DSCR
- Gifts Allowed for down payment, subject to lender terms
- Minimum Credit Score: 640 — higher FICO scores may qualify for better rates
- Low Reserve Requirement — less cash needed to qualify
- No Recent Foreclosure or Bankruptcy — clean credit history required
Beyond the Numbers
⚪ Direct to Investor Mortgage Lender
As a direct mortgage lender, we make all credit decisions and exceptions in-house, allowing for:
- Faster Approvals & Streamlined Communication
- Flexible Underwriting tailored to investor needs
- Competitive Rates without broker markups
- Closings in as Little as 5 Days After Appraisal
⚪ Borrower Flexibility
- No Limits on Financed Properties — grow your portfolio
- No Balloon Payments — predictable long-term structure
- Cash-Out Can Be Used to Meet Reserve Requirements — easier access to financing
- Interest-Only (IO) Option Available — reduce initial monthly payments
- LLC Ownership Allowed — maintain asset protection and privacy
- Non-Occupant Co-Borrowers Allowed — boost qualification potential
- Foreign National Borrowers Allowed — open to international investors
- First-Time Investors Welcome — ideal for new entrants
- Self-Employed Investors Welcome — no W-2s required
⚪ Strategic Benefits
- Fast & Efficient 1031 Exchange Closings — smooth transitions for tax deferral
- Excellent Product for Long-Term Investors — flexible, scalable, and sustainable
- Not a Hard Money Loan — offers better terms, rates, and stability
Eligible Property Types for DSCR Loans
⚪ Traditional Residential Properties
- Single-Family Rental Homes (SFRs)
- Townhomes
- Low Rise Condominiums
- Hi-Rise Condominiums
- Non-Warrantable Condominiums
- Planned Unit Developments (PUDs)
- 2–4 Unit Residential Properties (e.g., duplex, triplex, fourplex)
⚪ Multi-Family Properties
- 5–8 Unit Multi-Family Residences
⚪ Commercial Properties
- Mixed-Use Properties (51% Residential and 49% Commercial)
⚪ Short-Term & Specialty Rentals
- Airbnb, VRBO, Condotels — short-term rental income may be considered
⚪ Investment Strategy Eligibility
- 1031 Exchange Eligible — streamline portfolio transitions and defer capital gains
Get a FREE Formal Lender Pre-Approval Letter
No appointments necessary
Mortgage Bankers hours 9am-6pm PT
Get the Best Mortgage Deal—Or Receive $500!!!
With ClosingPoint’s Match & Beat Guarantee, you either get the best rate—or $500.
Why Choose ClosingPoint?
- $500 Guarantee – If we can’t beat your offer, you still benefit
- Clear, Side-by-Side Comparisons – We Walk you through every detail
- Fast Pre-Approvals & Rate Locks – Quick, efficient service
- Expert Loan Advisors – Personalized support from start to finish
- No Pressure, Just Options – You stay in control
- Competitive Rates & Low Fees – Designed to save you money
Submit your competing quote today to get a FREE Formal Lender Pre-Approval Letter
Email: [email protected]
or Call: (833) 833-5585
Call now. Get clarity. No gatekeeping.
30yr fixed rate DSCR mortgage for Single-Family Rental (SFR)
Fourplex 30yr fixed rate mortgage with first 10yrs IO
REFINANCE.
INVEST.
GROW.
1 to 4 Units Rental Property Financing
Multiply Your Assets with DSCR Loans
Turn Rental Property
Equity Into Cash
New Mortgage, Simplified!
Get your DSCR Mortgage with just your credit and down payment—or your refinance equity. We’ve eliminated the red tape: no income verification, employment history, DTI, tax returns, or financial documents required.
Investor DSCR Refinance—Direct Lending
Lowest Rate Guarantee | $150K–$3M Loans | Cash-Out Up to $2M | LLC OK | Airbnb OK
Own 1–4 unit rentals? Refinance now with direct DSCR lending—no tax returns, no W-2s, no broker markups. Pull up to $2M in cash-out or lock in a better rate. Fast approvals. Lowest-rate guarantee. Airbnb & short-term rentals eligible.
Apply now. Your next deal starts here.
Match & Beat Guarantee Program
Match & Beat Guarantee
Match & Beat Rules
Restrictions
