What is a DSCR rental loan?
A DSCR rental loan, often called a DSCR loan or no-income mortgage, provides quick financing for real estate investors purchasing or refinancing rental properties. The DSCR (Debt Service Coverage Ratio) evaluates the property’s ability to cover its mortgage and expenses, determining the loan amount. A higher DSCR gives investors greater borrowing potential.
Fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.
Fixed interest rate for the first 7 years. Afterward, the 7/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.
Fixed interest rate for the entire 30-year term.
With just some basic information, we can quickly assess a loan's eligibility and provide you with a pre-approval decision and preliminary loan terms.
Once a loan is deemed eligible, we need some more information about the property and the borrower. We'll adjust the loan terms accordingly.
This is where we check the appraisal, credit score, and any other information critical to the loan. As soon as this step is completed, we can close and fund the loan.
Support your BRRRR strategy (buy, rehab, rent, refinance, repeat) with YouLand's DSCR rental loans. Acquire the property with our Fix-and-flip loan to cover the cost of the purchase and the rehab of the property. When the rehab is complete, you can refinance to a long-term rental loan at a lower interest rate and take a cash-out option to purchase your next property.
YouLand is dedicated to supporting real estate investors nationwide with our technology, capital, and investment experience.
We currently lend in the following 42 states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, and Virginia.
We currently do not lend in the following states:
Idaho, Montana, Wyoming, North Dakota, South Dakota, Iowa, Nebraska, Minnesota.
Here is a list of property types for which we are unable to offer loans at this time:
In addition, we are 1st lien only and can't do 2nd or 3rd.
NMLS ID 2090196
NMLS consumer access : https://www.nmlsconsumeraccess.org/
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