Direct to Investor Lending
DSCR
Investor
Loans
2 to 8 Units Mixed-Use
Property Specialists for
Interest Only & Jumbo Mortgages
Direct to Investor Lending
DSCR
Investor
Loans
2 to 8 Units Mixed-Use
Property Specialists for
Interest Only & Jumbo Mortgages
Direct to Investor Lending
DSCR
Investor
Loans
2 to 8 Units Mixed-Use
Property Specialists for
Interest Only & Jumbo Mortgages
Amplify Your Investments. Choose Long‑Term
DSCR Mortgage Financing
Call Now. No scheduling.
DSCR Clarity, 24/7.
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!
Investment Property Focus
Financing that adapts to your ambition. Our mixed-use property loans for 2–8 units offer flexible terms and investor-driven solutions—up to $2M. Fuel your next move.
Easy Process. Fast Closings.
Speed You Can Count On. When timing is critical, we’re ready. Our streamlined system helps close your 2‑8 units mixed-use deal fast—often just 5 days after appraisal. Get moving!
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!
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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.
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2 to 8 Units Mixed-Use Property DSCR Financing
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
- Low Reserve Requirement — less cash needed to qualify
- No Recent Foreclosure or Bankruptcy — clean credit history required
DSCR Loan Features
⚪ Loan Amounts & Use
- Loan Purposes: Available for Purchase, Refinance, and Cash-Out
- Loan Amounts: Borrow from $500,000 to $2,000,000
- Cash-Out Option: Access up to $1,000,000 in cash
⚪ Loan Terms & Structure
- Loan Types:
∘ 30yr Fixed Rate
∘ Interest Only Option - Interest Rate Buy-Down: Available to lower upfront rates
- No Prepayment Penalty: After 5 years (shorter period available)
⚪ DSCR Requirements
- 2–8 Units Mixed-Use buildings: As low as 1.00
- Minimum Credit Score: 700 — higher FICO scores may qualify for better rates
- Investor Experience:
∘ First Time Investor – Not eligible
∘ First Time Homebuyer – Not eligible
⚪ Loan-to-Value (LTV)
- LTV for Maximum $1.5M Loan:
∘ Credit min credit score 700
∘ Purchase LTV 75%
∘ Refinance LTV 70%
∘ Cash-Out LTV 65% - LTV for Maximum $2.0M Loan:
∘ Credit min credit score 700
∘ Purchase LTV 70%
∘ Refinance LTV 65%
∘ Cash-Out LTV 65% - For CT, FL, NJ States:
∘ Purchase LTV Up to 70%, min credit score 720
∘ Refinance LTV: Up to 65%, min credit score 720
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
- Eligible Borrower: U.S. Citizen; Permanent Resident Alien; Non-Permanent Resident Alien — open to international investors
- Self-Employed Investors Welcome — no W-2s required
- All units are for renters—owners can’t live on-site
⚪ 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
⚪ Mixed-Use Properties
- 2 to 8 Units where commercial usage is Retail/Office/Restaurant:
∘ Building with 2-3 Units, limit is 1 commercial Unit
∘ Building with 4-5 Units, limit is 2 commercial Units
∘ Building with 6-8 Units, limit is 3 commercial Units
∘ Commercial space must not exceed 49.99% of the total building area - Property Condition:
∘ No fair or poor ratings
∘ No environmental issues
∘ No health or safety issues
∘ No excessive deferred maintenance
∘ No structural deferred maintenance - Rural: Not eligible
- Acreage: Property up to 2-acres, not meeting the rural definition, eligible
- Appraisals: A full interior inspection with photos is required for all units
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: (888) 599-0083
Call now. Get clarity. No gatekeeping.
DSCR Long-Term Mortgage for Mixed-Use property, Orlando FL
DSCR 30yr Fixed Mortgage for Mixed-Use building
REFINANCE.
INVEST.
GROW.
2 to 8 Units Mixed-Use 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.
Hard Money? Think Again.
Get DSCR Loans: The Strategic Choice for Residential Real Estate Investors
Elevate your investment strategy. Stop settling for high-cost, short-term hard money loans. DSCR loans are your intelligent pivot to stable, long-term financing designed for serious real estate investors.
Tap into capital based on your property’s income, not your personal tax returns. This means faster approvals, fewer roadblocks, and the power to scale your portfolio with confidence, maximizing your returns and minimizing traditional loan headaches.
Match & Beat Guarantee Program
Match & Beat Guarantee
Match & Beat Rules
Restrictions
ClosingPoint
