Investor cash flow mortgage


Rental Income qualification loans Plantation

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After the recent increase in the fed rate

However, it is important to note that borrowers can get a lower rate on their private student loans than federal loans if they have a good credit score. The federal loan rate for the 2022/2023 academic year will be between 4.99% and 7.54%. Currently, borrowers having excellent to good. Read More

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Debt Service Coverage Ratio

A debt service coverage ratio (DSCR) mortgage, also known as an investor cash flow mortgage, enables you to finance an investment property using rental income instead of your personal income. In short, a DSCR mortgage enables you to purchase or refinance a rental property without providing your tax returns, W-2s, pay stubs or other personal and financial documents that are required for a standard mortgage. There is no employment or income verification. Properties titled in the name of an LLC are permitted.

News from the Blog:

Many Americans are waiting for the decision of the Biden administration on the cancellation of federal student loans, the Department of Education is urging millions of Americans to apply for already established loan forgiveness initiatives.

The secretary of the Education Department, Miguel Cardona tweeted on Thursday that the office of the Federal Student Aid was communicating through emails to about 22 million of the 45.3 United States borrowers, encouraging them to check their eligibility in the Public Service Loan Forgiveness initiative...... Read More

Debt Service Coverage Ratio Requirements:

  • The rental income generated by the property must meet or exceed the lender's coverage ratio requirement.
  • The coverage ratio equals monthly rental income divided by the mortgage payment and typically ranges from 1.0x to 1.5x, depending on the lender and borrower.
  • Some lenders requires a minimum 20% down payment.
  • An appraisal with rental survey is required. The rental survey tells the lender how much rent is to be expected based on rental comparables.
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