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For real estate investors, finding the right property is only half the battle.
The other half is financing it.
Traditional DSCR loan programs can work well for investors with strong credit and properties that generate enough rental income to meet the lender’s required debt-service coverage ratio. But what happens when your credit score is below the lender’s preferred range, or the property simply does not meet the required DSCR?
That’s where FlexBuy75 comes in.
FlexBuy75 is an unconventional investment-property purchase program designed for buyers who may not fit traditional DSCR lending guidelines.
Qualified investors can purchase eligible non-owner-occupied properties with:
In simple terms, an investor may be able to purchase a property with 25% down even when credit or property cash flow would normally create problems with a traditional DSCR loan.
If you are familiar with traditional DSCR programs, you already know that most lenders establish a minimum credit score, often starting around 600 or higher.
Even when a borrower meets that minimum, leverage can still be severely restricted at the lower end of the credit spectrum.
A borrower with a 600, 620, or 640 score may technically qualify for a DSCR loan, but that does not necessarily mean they will qualify for the lender’s highest available LTV.
In many cases, lower credit means:
The same issue applies to DSCR itself.
A borrower may have acceptable credit, substantial assets, and the funds needed to close, but if the property does not produce enough qualifying rental income to meet the lender’s required DSCR ratio, the financing can still fall apart.
FlexBuy75 was built to address both problems.4
FlexBuy75 does not establish a minimum qualifying FICO score.
That makes the program especially useful for investors whose credit may have been affected by:
Credit history is still reviewed as part of underwriting, but there is **no minimum FICO score required to enter the program.**
That distinction can make a significant difference for investors who have the capital to purchase another property but are being constrained by traditional credit-score cutoffs.
More importantly, FlexBuy75 does not automatically reduce leverage simply because a borrower falls below a typical DSCR credit threshold.
Qualified investors may finance **up to 75% of the purchase price**, even when their credit score would normally cause another lender to require a substantially larger down payment.
FlexBuy75 also eliminates one of the most common obstacles in investment-property financing.
The property does not have to meet a minimum DSCR ratio.
Traditional DSCR lenders typically compare the property's qualifying rent with the monthly principal, interest, taxes, insurance, and applicable association expenses.
If the rent does not support the required ratio, the investor may have to:
With FlexBuy75, there is **no minimum DSCR ratio requirement.**
A market-rent analysis is still completed as part of the appraisal process, but the property's rental income does not have to meet a specific DSCR threshold to qualify.
FlexBuy75 allows eligible investors to finance **up to 75% of the property’s purchase price**, subject to program underwriting requirements.
That means a qualified investor purchasing a $300,000 property could potentially structure the transaction with:
For investors with challenged credit, that can be an important difference.
Many lending programs compensate for lower credit scores by requiring significantly larger down payments. FlexBuy75 is designed specifically to give investors another option when their credit profile does not fit the traditional DSCR box.
Like our other business-purpose investor loan programs, FlexBuy75 does not qualify borrowers using traditional personal income documentation.
That means investors generally do not need to provide:
This can be particularly helpful for:
The focus is on the investment transaction rather than forcing the borrower into conventional residential mortgage underwriting.
FlexBuy75 may be particularly useful for an investor who finds a property they want to purchase but discovers that traditional DSCR financing does not work.
For example:
An investor has enough money for a 25% down payment and finds a strong rental opportunity.
The problem?
Their credit score is 620.
With many DSCR programs, that score may technically be acceptable, but the borrower could still face reduced leverage and a larger required down payment.
FlexBuy75 does not have a minimum FICO requirement and may allow qualified investors to finance up to 75% of the purchase price.
An investor finds a property in an appreciating market where rents are temporarily low relative to the purchase price.
A conventional DSCR calculation may not meet the lender’s minimum requirement.
FlexBuy75 does not require the property to achieve a minimum DSCR ratio.
A business owner has substantial cash flow but writes off significant expenses on their tax returns.
Traditional mortgage qualification may make their income appear far lower than the reality of their financial position.
FlexBuy75 does not require personal income qualification.
The biggest difference is flexibility.
Traditional DSCR loans remain an excellent solution for many real estate investors.
FlexBuy75 simply creates another path for borrowers whose **credit profile or property cash flow does not fit traditional DSCR guidelines.**
FlexBuy75 is designed for **non-owner-occupied investment properties.**
The borrower cannot occupy the property as a primary residence or second home.
Eligible property and transaction requirements are subject to underwriting review, and factors such as property type, condition, valuation, borrower history, reserves, and transaction structure may affect final eligibility.
No.
FlexBuy75 is designed as long-term investment-property financing rather than short-term hard-money or bridge financing.
That makes it particularly attractive for investors who want to **buy and hold** a rental property but cannot qualify for conventional DSCR financing because of credit or property cash-flow requirements.
For investors accustomed to short-term private money, FlexBuy75 may provide another route to acquiring a property without automatically resorting to expensive short-term financing.
Real estate investors often use credit differently than traditional consumers.
A landlord may carry substantial balances while renovating properties.
A business owner may place large expenses on revolving accounts.
An investor may have experienced a temporary credit event even though they still have substantial assets, liquidity, or real estate experience.
Traditional lending systems frequently reduce all of that complexity to a single number.
FlexBuy75 takes a different approach.
The absence of a minimum FICO requirement does not mean credit is ignored. It means a particular credit score alone does not automatically prevent an investor from being considered for financing.
You've found the property.
You've analyzed the numbers.
You have the funds to make a meaningful down payment.
But your credit score or the property's DSCR calculation is standing between you and the purchase.
That is exactly the type of transaction FlexBuy75 was created to address.
With up to 75% LTV, no minimum FICO requirement, and no minimum DSCR ratio, investors now have another way to finance rental-property purchases that fall outside the traditional lending box.
Every transaction is different.
Property type, purchase price, loan amount, credit history, liquidity, reserves, experience, and other underwriting factors may affect eligibility.
If you're considering purchasing an investment property and conventional DSCR financing is not working, we can review the transaction and determine whether FlexBuy75 or another Unconventional Lending investor program may provide a better solution.
Explore FlexBuy75 or use our Program Finder to see which investor loan program fits your scenario.**
FlexBuy75 is available for eligible business-purpose, non-owner-occupied investment-property transactions.
Program guidelines, maximum leverage, pricing, and eligibility are subject to change and underwriting approval. This information is for general informational purposes and is not a commitment to lend.
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📌 You can also drop us a line HERE »
Yours in successful property investing,
Derek Bissen
Loan Originator
NMLS#365627
Unconventional Lending Program Director
Derek Bissen is a licensed Mortgage Loan Originator with over 25 years of experience in the industry. Derek is a self-employed lending expert who is known for his ability to work with borrowers who have substantial wealth and non-traditional lending needs. He is a creative loan structurer and specializes in portfolio lending, asset-based lending, bank statement lending, as well as traditional loans such as Conventional, FHA, VA, and first-time homebuyers. Derek's expertise in the mortgage industry is unparalleled. He is a trusted advisor to his clients, providing them with customized loan solutions that meet their unique financial goals and needs. His vast experience and knowledge make him a valuable asset to anyone looking to purchase a home or refinance their existing mortgage. As a highly-experienced loan originator and author, Derek is committed to sharing his knowledge with others. He regularly provides valuable insights and advice to readers looking to navigate the complex world of mortgage lending. His articles are informative, engaging, and backed by years of hands-on experience. With his wealth of knowledge and dedication to his clients, he is the go-to source for all your mortgage lending needs. If you're looking for a reliable and trustworthy mortgage expert, contact Derek today to learn more about how he can help you achieve your financial goals.
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