Deliver Flexible DSCR Loan Solutions to Your Investor Clients
Our Debt Service Coverage Ratio (DSCR) Loan Program is designed to simplify the financing process for your clients, allowing them to expand their investment portfolios easily. By leveraging the income generated from rental properties, borrowers can qualify without verifying personal income.
Deliver Flexible DSCR Loan Solutions to Your Investor Clients
Deliver Flexible DSCR Loan Solutions to Your Investor Clients
Our Debt Service Coverage Ratio (DSCR) Loan Program is designed to simplify the financing process for your clients, allowing them to expand their investment portfolios easily. By leveraging the income generated from rental properties, borrowers can qualify without verifying personal income.
Ideal Borrowers
A borrower like David, an experienced real estate investor seeking to expand his rental portfolio. However, traditional loans complicated the process, making a simple deal a hurdle. For investors like David, conventional loans can complicate simple deals. At ARDRI, we prioritize what matters most for real estate investors — the property’s rental performance.
The DSCR Loan Program is an excellent solution for:
- Real Estate Investors: Borrowers looking to expand their investment portfolio without relying on personal income documentation.
- New Investors: Those entering the market who prefer a cash-flow-based qualification.
- Seasoned Investors: Clients seeking to refinance or cash-out for additional property acquisitions.
- Self-Employed Borrowers: Individuals with complex income structures who want a simpler qualification process.
- Portfolio Owners: Investors managing multiple properties looking for a streamlined way to access equity or finance new investments.
Program Highlights
- LTV up to 80% for Purchase and Rate/Term Refinance
- LTV up to 75% for Cash-out Refinance
- Minimum 600 FICO
- Loan amounts up to $4M
- Non-Owner Occupied Only
- No Income Verification – must leave blank on URLA
- No Job Verification
- No Reserve Options
- No Prepay Options available
- First Time Investors allowed
- 30YR I/O terms available (Fixed or ARM)
- Qualify on Interest Only Payment for DSCR calculation
- SFR, 2-4 Units, Condos (and Non-Warrantable), PUD, SFR used as a Care Facility, Rural Properties
- Ability to lend to LLCs, Corporations, Trusts, Foreign Nationals, ITIN and Non-Permanent Resident Aliens
- LPC & Borrower Paid Comp available (or a combination of the two up to 4 points)
Click here to get pricing and eligibility for ARDRI’s DSCR Loan Program or price a loan with askARDRI.
Why Partner with ARDRI?
At ARDRI, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Non-QM market, we are here to help you close more deals faster.
Why Partner with ARDRI?
At ARDRI, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Non-QM market, we are here to help you close more deals faster.
Is Your Borrower Ready to Invest?
Help your clients achieve their investment goals with ARDRI’s DSCR Loan Program. Our innovative solutions, expert support, and tech-driven platform make it easier than ever to secure financing tailored to their needs.
Call us today at 855.855.8598 to learn more or start your borrower’s application!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
Meet Our Non-QM Loan Programs
As a client-focused mortgage lender, ARDRI provides TPO brokers with innovative financing solutions that make closing deals easier. Get to know our comprehensive consumer and business loan programs!
