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EXPLORE DSCR LOAN FAQs

A lower credit score shouldn’t be the thing that limits your ability to grow your real estate portfolio.

FlexBuy75 is a purchase-only investor loan designed for residential real estate buyers who may fall outside conventional DSCR credit boxes. Qualifying investors can finance up to 75% of the purchase price with no minimum FICO requirement, without documenting personal income or meeting a traditional DSCR ratio.

Whether your score has been affected by high credit line utilization, consumer credit issues, medical collections, or other non-mortgage factors, FlexBuy75 focuses on the overall transaction, not simply the number attached to your credit report.

Buying your next investment property may be more achievable than your credit score suggests.

Buy your next investment property with stable 30-year financing, without hard money rates and fees, short-term refinance pressure, or traditional income-documentation roadblocks.

💡Who is the ideal candidate for FLEXBUY75?

Icon of a roof with the word FICO and house keys hanging off the O in FICO

A Smarter Way to Buy When Your Credit Score Doesn’t Tell the Whole Story

FLEXBUY75DSCR Purchase Program

75% LTV • No DSCR Ratio •
NO MINIMUM FICO

  • Real estate investors purchasing 1–4 unit residential investment properties
  • Borrowers with lower credit scores who still want up to 75% LTV
  • Investors whose credit has been impacted by high utilization, collections, or other non-mortgage credit issues
  • Buyers who do not want the hassle of documenting personal income, tax returns, W-2s, or pay stubs
  • Investors purchasing properties that may not meet a traditional DSCR ratio requirement
  • Borrowers who want to preserve cash and may benefit from seller-carried secondary financing
  • First-time investors who can qualify with reduced leverage or additional reserves
  • Experienced investors looking to keep expanding their portfolio without being limited by a minimum FICO requirement

👉 KEY PROGRAM HIGHLIGHTS

FLEXBUY75 is designed for real estate investors who need flexible DSCR purchase financing without traditional credit-score restrictions.

 

LOAN PURPOSE:  Purchase transacations Non-owner occupied single-unit, and 1-4 unit multi-family properties. The borrower cannot live in any part of the property.

 

MAX LTV: 75% (25% minimum down payment at maximum leverage)

 

🚀 FAST CLOSING TIMELINE: Average closing timeframe is approximately 3–5 weeks.

 

🔥 CREDIT SCORE: No minimum FICO required.

 

✅ DSCR REQUIREMENT: No ratio required. Ideal for properties that do not meet standard DSCR cash-flow requirements at the time of purchase.


LOAN AMOUNT: $75,000–$2,000,000 under the standard residential program. Larger loan amounts may be available under separate jumbo guidelines.

INCOME DOCUMENTATION: No tax returns or personal income documentation required to qualify.

 

ELIGIBLE PROPERTIES: 1-4 Unit Residential Properties |  5+ Multifamily Residential

Rural Property Note: Rural properties may be considered case by case, but approval depends on appraisal support, location, population density, available supporting comparable sales, property condition, marketability, equity position, and overall loan strength.


APPRIASAL: Residential rental properties require a standard residential appraisal and market rent analysis. Other eligible property types may require a commercial appraisal or property-specific valuation review.

 

ESCROW ACCOUNT REQUIRED: Property taxes and insurance are generally escrowed.


FOREIGN NATIONALS ACCEPTED: Foreign national borrowers may be eligible.

 

LOAN TERM: 30 Years, fully amortizing

 

MAXIMUM CLTV: Up to 90% with Eligible Seller Financing.

 

SELLER-CARRIED SECONDS: Permitted. Note term typically > 3 years

 

FIRST TIME INVESTORS: Eligible. Standard maximum LTV is reduced by 5 percentage points to 70% LTV, or qualifying reserves may allow maximum 75% LTV.

 

RESERVES: Generally not required unless needed for an underwriting exception or for a first-time investor seeking maximum LTV. When required, reserves are generally 3–4 months of liquid PITI, and eligible retirement assets such as a 401(k) may be considered.

 

FIRST-TIME HOMEBUYERS: Not eligible

 

LOCATION RESTRICTIONS: Illinois and Michigan are generally limited to 5 percentage points below standard maximum LTV. Program is not available in Baltimore, Maryland and surrounding restricted areas.

Can You Buy an Investment Property With a DSCR Loan and Bad Credit?

Yes. A lower credit score does not automatically mean you have to accept lower leverage or walk away from a residential investment purchase.

FlexBuy75 is designed for real estate investors whose credit may fall outside traditional DSCR guidelines. For qualifying 1–4 unit investment-property purchases, the program allows up to 75% LTV with no minimum FICO requirement and no traditional DSCR ratio requirement.

That can make FlexBuy75 especially useful for buyers whose scores have been affected by high credit utilization, consumer credit issues, medical collections, or other non-mortgage factors.

Recent mortgage defaults, foreclosures, bankruptcy, or serious mortgage lates may still affect maximum leverage.

 

🎯 FlexBuy75 gives investors the opportunity to reach 75% LTV, even with lower credit scores.

What Makes FLEXBUY75 Different?

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Traditional DSCR programs may:

  • Require a minimum credit score
  • Reduce maximum LTV as credit scores fall
  • Require the property to meet a minimum DSCR
  • Tie eligibility and maximum leverage to credit-score tiers

FlexBuy75 can offer:

  • No minimum FICO requirement
  • Up to 75% LTV on qualifying purchases
  • No traditional DSCR ratio requirement
  • No personal income documentation
  • Up to 90% CLTV with eligible seller financing

👉 FlexBuy75 helps separates credit score from buying power more than most traditional DSCR purchase programs.

How Much Down Payment Does a DSCR Loan Require?

For FlexBuy75, qualifying residential investment purchases can be financed up to 75% LTV, which means a 25% minimum down payment at maximum leverage.

That makes the program especially useful for investors who want to preserve more cash for reserves, improvements, or future acquisitions while still avoiding traditional FICO and DSCR restrictions.

The exact cash requirement can vary based on the transaction, property, and underwriting profile, but the standard FlexBuy75 structure is straightforward:

  • Up to 75% LTV
  • 25% minimum down payment at max leverage
  • No minimum FICO requirement
  • No traditional DSCR ratio requirement

🎯 The goal is simple: keep more of your capital available while still moving forward with the purchase.

Can Seller Financing Reduce the Cash You Need at Closing?

Yes. FlexBuy75 allows eligible seller-carried secondary financing behind the first mortgage.

That can increase total combined financing to as much as 90% CLTV, subject to underwriting and transaction eligibility.

How it works:

  • FlexBuy75 first mortgage: up to 75% LTV
  • Seller-carried second: may bridge part of the remaining purchase price
  • Maximum combined financing: up to 90% CLTV
  • Seller note term should generally be greater than 3 years

This can be especially valuable when the seller is willing to participate in the financing and the buyer wants to preserve more cash.

👉 FlexBuy75 is still a 75% LTV first mortgage, but eligible seller financing may reduce the buyer’s cash-to-close requirement to as little as 10% of the purchase price.

 

Buy Your Next Investment Property More Strategically.

FlexBuy75 may help investors move forward on qualifying residential purchases when stricter credit-score or DSCR requirements might otherwise get in the way.

🏠
Buy with 25% Down

Use up to 75% LTV to reduce cash required at closing on qualifying purchases.

💰
Keep More Capital

Keep more liquidity available for reserves, repairs, or your next investment opportunity.

🚧

Work Around DSCR Barriers

Ideal for purchases where the property may not meet a traditional DSCR ratio requirement.

🤝
Use Seller Financing

Eligible seller-carried financing may increase total leverage to as much as 90% CLTV.

🚫
Avoid
Hard Money

Move directly into a long-term 30-year loan when the property does not need ARV / rehab financing.

Do You Need Tax Returns or Personal Income to Qualify?

Not with FlexBuy75.

FlexBuy75 is a no personal income documentation program. Qualification does not require tax returns, W-2s, pay stubs, or traditional debt-to-income calculations.


That can make the program especially useful for:

  • Self-employed real estate investors
  • Business owners with complex tax returns
  • Investors with substantial write-offs
  • Borrowers whose personal income does not reflect their overall financial strength
  • Experienced investors who prefer to qualify based on the investment transaction rather than personal earnings

Unlike conventional mortgage financing, FlexBuy75 does not require you to prove that your personal income supports the mortgage payment.

💡 Your investment strategy may be strong even when your tax returns don’t tell the whole story.

What If the Property Doesn't Meet a Traditional DSCR Ratio?

Traditional DSCR loans generally compare the property's rental income with its housing expenses to determine whether the property generates enough cash flow to qualify.

FlexBuy75 does not require a minimum DSCR ratio.

That may help when:

  • Current rents are below market
  • The property has recently been renovated or repositioned
  • Lease history is limited
  • Market rents support the investment strategy, but current cash flow does not
  • Taxes, insurance, or other expenses temporarily push the DSCR below a traditional lender's minimum

The investor sees an opportunity that a standard DSCR calculation does not fully capture

✅ No minimum DSCR means a property doesn't have to pass a traditional cash-flow ratio test just to qualify for FlexBuy75.

FlexBuy75 vs. Traditional DSCR vs. Hard Money

Not every investment-property purchase calls for the same financing strategy. FlexBuy75 is designed for investors who want long-term purchase financing but may not fit the stricter credit or DSCR requirements of a traditional investor loan. Hard money serves a different purpose when renovation capital, bridge financing, or other short-term funding is needed.

Feature FlexBuy75 Traditional DSCR Hard Money / Private Money
Primary Use ✅ Residential investment-property purchases ✅ Stabilized rental-property purchases ✅ Acquisition, bridge, rehab, or short-term capital
Credit Score ✅ No minimum FICO required 🟡 Minimum credit score applies. Typically starting at 660. 🟡 Often flexible, but scenario-specific
Maximum Leverage ✅ Up to 75% LTV on qualifying purchases 🟡 Often tied to credit score, DSCR, and property profile 🟡 Varies based on property, borrower, and business plan
DSCR Requirement ✅ No traditional DSCR ratio required 🟡 Minimum DSCR generally required ✅ Usually not DSCR-based
Personal Income Documentation ✅ No tax returns, W-2s, or personal income documentation ✅ Generally no traditional personal income qualification 🟡 Often limited or scenario-specific
Loan Term ✅ 30-year fixed ✅ Commonly 30-year fixed 🔴 Typically short-term
Amortization ✅ Fully amortizing ✅ Usually fully amortizing 🟡 Often interest-only
Down Payment ✅ As little as 25% down at maximum first-mortgage LTV ✅ Commonly 20%–25% or more, depending on guidelines 🟡 Varies widely by transaction
Seller Financing ✅ Eligible seller financing may allow up to 90% CLTV 🔴 Program-dependent, but rarely acceptable 🟡 May be allowed, depending on structure
Renovation / ARV Financing 🟡 Not designed to fund renovation costs or lend on future ARV 🔴 Typically based on current property value and condition; renovation funds are generally not included ✅ Major strength. Acquisition plus renovation financing may be structured around ARV
Loan Pricing 🟡 Generally higher than traditional DSCR due to expanded credit flexibility ✅ Typically more favorable when stricter credit and DSCR requirements are met 🔴 Typically the highest-cost option due to its short-term and higher-risk structure
Long-Term Hold Strategy ✅ Designed for long-term ownership ✅ Designed for long-term ownership 🔴 Usually intended as temporary financing with a future exit strategy
Best Fit ✅ Long-term purchase where lower credit or weak DSCR may otherwise limit options ✅ Stabilized rental purchase meeting stricter credit and property cash-flow guidelines ✅ Fix-and-flip, rehab, bridge, or other short-term capital needs
The right loan depends on the job. If a property needs significant renovation financing, hard money may be the appropriate tool. If the property is ready for long-term financing but stricter credit-score or DSCR requirements are creating the obstacle, FlexBuy75 may provide a path directly into a 30-year loan without using short-term financing first.
Loan features, leverage, pricing, and eligibility vary by borrower, property, transaction structure, lender guidelines, and market conditions.

FlexBuy75 vs. Traditional DSCR

FlexBuy75 is designed for investors who want long-term purchase financing but may not fit the stricter credit or cash-flow requirements of a traditional DSCR loan.

Feature FlexBuy75 Traditional DSCR
Credit Score ✅ No minimum FICO 🟡 Minimum score applies; typically starting around 660
Maximum Leverage ✅ Up to 75% LTV 🟡 Often tied to credit score, DSCR, and property profile
DSCR Requirement ✅ No ratio required 🟡 Minimum DSCR generally required
Personal Income Docs ✅ No tax returns, W-2s, or personal income documentation ✅ Generally no traditional personal income qualification
Loan Term ✅ 30-year fixed ✅ Commonly 30-year fixed
Down Payment ✅ As little as 25% down at max first-mortgage LTV ✅ Commonly 20%–25% or more
Seller Financing ✅ May allow up to 90% CLTV 🔴 Program-dependent, but rarely acceptable
Renovation / ARV 🟡 Not designed to fund renovation costs or future ARV 🔴 Renovation funds typically not included
Loan Pricing 🟡 Generally higher due to expanded credit flexibility ✅ Typically more favorable when stricter guidelines are met
Best Fit ✅ Lower-credit or weak-DSCR purchase scenarios ✅ Stabilized rentals meeting stricter credit and cash-flow standards
FlexBuy75 fills the gap when a property is ready for long-term financing, but stricter credit-score or DSCR requirements make a traditional investor loan harder to qualify for.

FlexBuy75 vs. Hard Money

Hard money can be an excellent tool when a property needs renovation, bridge financing, or short-term capital. FlexBuy75 serves a different purpose: long-term purchase financing from day one.

Feature FlexBuy75 Hard Money
Primary Use ✅ Long-term residential investment purchases ✅ Acquisition, bridge, rehab, or short-term capital
Credit Score ✅ No minimum FICO 🟡 Often flexible, but scenario-specific
Maximum Leverage ✅ Up to 75% LTV 🟡 Varies by property, borrower, and business plan
DSCR Requirement ✅ No ratio required ✅ Usually not DSCR-based
Loan Term ✅ 30-year fixed 🔴 Typically short-term
Amortization ✅ Fully amortizing 🟡 Often interest-only
Seller Financing ✅ May allow up to 90% CLTV 🟡 May be allowed depending on structure
Renovation / ARV 🟡 Not designed to fund renovation costs or lend on future ARV ✅ Major strength — acquisition plus renovation financing may be based on ARV
Loan Pricing 🟡 Higher than traditional DSCR, but structured as long-term financing 🔴 Typically the highest-cost option
Long-Term Hold ✅ Designed for long-term ownership 🔴 Usually temporary financing requiring a future exit
Best Fit ✅ Long-term purchase where credit or DSCR would otherwise limit options ✅ Fix-and-flip, rehab, bridge, or other short-term capital needs
If the property needs significant renovation financing, hard money may be the right tool. If the property is already suitable for long-term ownership, FlexBuy75 may help avoid starting with short-term debt just because the borrower has a lower credit score.
Loan features, leverage, pricing, and eligibility vary by borrower, property, transaction structure, lender guidelines, and market conditions.

Where FlexBuy75 Fits

FlexBuy75 is often the better fit when the borrower:

  • Seeks long-term 30-year purchase capital
  • May not meet the credit or DSCR standards of a traditional DSCR loan
  • Seeks to avoid the short-term cost and refinance pressure that often comes with hard money.

👉 Think of FlexBuy75 as a long-term investor purchase loan with more flexibility than many traditional DSCR options.

Can First-Time Investors Use FlexBuy75?

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Yes. First-time investors are eligible for FlexBuy75.

By default, first-time investors are generally limited to 70% LTV, a 5 percentage-point reduction from the standard 75% maximum.

However, qualifying first-time investors may still be eligible for the full 75% LTV when sufficient reserves are documented.

That means being new to real estate investing does not automatically eliminate access to the program’s maximum leverage.

🎯 First-time investor? You may still qualify for up to 75% LTV with adequate reserves.

Does FlexBuy75 Require Reserves?

Not in most standard scenarios.

Reserves are generally required when:

  • A first-time investor wants the full 75% maximum LTV
  • An underwriting exception is being requested
  • The overall transaction requires additional strength to support approval
  • When reserves are required, the guideline is generally 3–4 months of liquid PITI.

Eligible reserve assets may include:

  • Checking, savings, money market, etc.
  • Other verifiable liquid assets
  • Eligible retirement funds such as a 401(k)

 

✅ For most otherwise-standard FlexBuy75 transactions, reserves are not a routine requirement.

Credit Considerations: Low Score vs. Major Credit Events

No minimum FICO does not mean no credit review.

  • Low credit scores caused by high revolving credit utilization, collections, consumer debt, etc. can still fit.
  • Serious mortgage lates may reduce leverage/ LTV.
  • Notice of Default / foreclosure scenarios are materially more restrictive.
  • Recent bankruptcy can affect leverage depending on seasoning.

 

💡 In some scenarios, credit challenges may still be workable with reduced leverage and/or additional liquid reserves.

A FLEXBUY75 Borrower Profile

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📚 Meet John

John found a residential investment property he wanted to purchase, but his 615 FICO score put him outside the credit guidelines of many traditional DSCR lenders.

The property also did not produce a strong enough DSCR ratio to fit several traditional investor-loan programs.

With FlexBuy75, John was able to pursue financing at 75% LTV, requiring a 25% down payment, with no minimum FICO requirement and no traditional DSCR ratio requirement.

Because the transaction did not involve recent serious mortgage defaults or a major housing-related credit event, his lower score alone did not require a reduction in maximum leverage.

John was able to move forward with a 30-year fixed investor loan instead of turning to short-term hard money simply because his credit score was below traditional DSCR thresholds.

John’s scenario shows how FlexBuy75 can help separate a lower credit score from an investor’s ability to finance a solid purchase opportunity.

 

Example scenario shown for illustration. Actual eligibility, leverage, pricing, and terms are subject to underwriting.

Frequently Asked Questions about FLEXBUY75

What is FlexBuy75?

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FlexBuy75 is a purchase-only DSCR loan program for non-owner-occupied 1–4 unit residential investment properties. It offers up to 75% LTV with no minimum FICO requirement, no personal income documentation, and no traditional DSCR ratio requirement.

It is designed for real estate investors who may fall outside the stricter credit or cash-flow requirements of traditional DSCR purchase programs.

Can I buy an investment property with a DSCR loan and bad credit?

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Expand

Yes. A lower credit score does not automatically prevent you from qualifying for a DSCR purchase loan.

FlexBuy75 allows qualifying investors to purchase residential investment property with up to 75% LTV and no minimum FICO requirement.

Credit history is still reviewed, and recent mortgage defaults or major credit events may affect maximum leverage.

What is the minimum credit score for a FlexBuy75 DSCR loan?

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Expand

There is no minimum FICO requirement for qualifying FlexBuy75 purchase transactions.Unlike many traditional DSCR programs, the maximum 75%

LTV is not automatically reduced simply because the borrower's credit score falls below a particular FICO threshold. Major mortgage-related credit events may still affect leverage.

How much down payment does a FlexBuy75 DSCR loan require?

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Expand

FlexBuy75 offers financing up to 75% LTV, which means the standard minimum borrower down payment at maximum leverage is 25% of the purchase price.

Certain transactions may require additional cash depending on property, credit history, first-time investor status, or underwriting requirements.

Can seller financing reduce my down payment?

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Expand

Yes. FlexBuy75 permits eligible seller-carried secondary financing behind the first mortgage.

Combined financing may reach up to 90% CLTV, potentially reducing the buyer's cash contribution to as little as 10% of the purchase price.

The seller-carried note should generally have a term longer than three years.

The FlexBuy75 first mortgage itself remains limited to 75% LTV.

Does FlexBuy75 require a minimum DSCR ratio?

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Expand

No. FlexBuy75 does not require a traditional minimum DSCR ratio.

This can be useful when the property does not generate enough current rental income to satisfy the cash-flow requirements of many traditional DSCR programs.

Do I need tax returns or personal income documentation?

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Expand

No. FlexBuy75 does not require personal income documentation to qualify.

Borrowers generally do not need to provide personal tax returns, W-2s, pay stubs, or qualify using a traditional debt-to-income ratio.

What property types are eligible for FlexBuy75?

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FlexBuy75 is focused on non-owner-occupied residential investment properties, including:

  • Single-family residences
  • Condominiums
  • 2–4 unit residential properties

The borrower cannot occupy any portion of the property.

Rural properties may be considered case by case depending on appraisal support, comparable sales, marketability, property condition, location, and overall loan strength.

Are first-time investors eligible?

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Expand

Yes. First-time investors can qualify for FlexBuy75.

A first-time investor is generally subject to a 5 percentage-point LTV reduction, resulting in a standard maximum of 70% LTV.

However, qualifying first-time investors may be able to retain the full 75% LTV by documenting adequate reserves.

Does FlexBuy75 require reserves?

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Expand

Not for most standard transactions.

Reserves are generally required when a first-time investor wants maximum 75% LTV or when an underwriting exception is being requested.

When required, reserves are typically 3–4 months of liquid P&I, and eligible retirement assets such as a 401(k) may be considered.

Are first-time homebuyers eligible?

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Expand

No. First-time homebuyers are not eligible for residential FlexBuy75 financing.

The program is intended for real estate investors purchasing non-owner-occupied properties.

Can I qualify after bankruptcy, foreclosure, or mortgage lates?

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Expand

Possibly, but major credit events can affect maximum leverage.

FlexBuy75 is most flexible when a lower credit score results from issues such as revolving credit utilization, collections, medical debt, or other non-mortgage factors.

Recent serious mortgage lates may result in reduced LTV. Notice of Default or foreclosure scenarios are substantially more restrictive, and bankruptcy treatment depends on how much time has passed since the event.

No minimum FICO does not mean no credit review.

What is the minimum and maximum loan amount?

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The standard FlexBuy75 residential program has a minimum loan amount of $75,000 and a standard maximum of $2 million.

Larger investment-property loans may be available under separate jumbo guidelines, which can have different credit, leverage, and underwriting requirements.

Are foreign national borrowers eligible?

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Yes. Foreign national and ITIN borrowers may be eligible for investor financing, although separate maximum-LTV guidelines apply.

Foreign-national transactions should be reviewed individually to determine the appropriate program structure.

How long does a FlexBuy75 purchase typically take to close?

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A typical FlexBuy75 closing timeframe is approximately 3–5 weeks, depending on appraisal timing, title, property condition, documentation, and underwriting.

Providing requested property and borrower documentation early in the process can help avoid unnecessary delays.

Is FlexBuy75 a hard money loan?

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No. FlexBuy75 is designed as long-term 30-year financing, not short-term bridge or hard-money financing.

Hard money may be better suited to properties requiring substantial renovation or ARV-based financing.

FlexBuy75 is intended for investors who want long-term purchase financing but may not fit stricter traditional DSCR credit or cash-flow requirements.

Can FlexBuy75 finance renovation costs?

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Expand

No. FlexBuy75 is not designed to provide renovation draws or lend against future after-repair value (ARV).

If the transaction requires acquisition plus substantial repair or renovation financing, a hard-money, bridge, or fix-and-flip program may be more appropriate.

Are property taxes and insurance escrowed?

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Yes. Property taxes and homeowners insurance are generally escrowed with the monthly mortgage payment under the standard FlexBuy75 residential program.

Does FlexBuy75 require an appraisal?

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Yes. Residential investment properties generally require a standard residential appraisal along with a market-rent analysis.

The market-rent analysis helps document the property’s rental profile, even though FlexBuy75 does not require the property to meet a minimum DSCR ratio.

Are there any state or location restrictions?

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Yes. FlexBuy75 is available broadly, but some geographic restrictions apply.

Illinois and Michigan are generally limited to 5 percentage points below the standard maximum LTV, and the program is not available in Baltimore, Maryland and certain surrounding restricted areas.

Additional property- or market-specific restrictions may apply depending on the transaction.

Need Help Planning Your Next Investment Property Purchase?

We’d be happy to review your scenario and help you determine whether FlexBuy75 is the right fit.

🚀 Ready to Buy Your Next Investment Property?

Apply for FlexBuy75 today and take the next step toward financing your next residential investment purchase.

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DSCR Purchase Program · 25% Down No Minimum FICO · No DSCR Ratio

1 Unit | 2-4 Unit |  5-9+ Unit | Mixed-Use

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This is not a commitment to lend.  Not all borrowers will qualify for the loan programs listed.  All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.