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EXPLORE DSCR LOAN FAQs
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Purchase, refinance, cash out, or exit hard money with a 30-year fixed investment property loan that does not use a DSCR ratio to qualify.
⭐ TOP RISING NEW PROGRAM
Traditional DSCR loans can fall apart when the rent schedule does not support the loan amount, even when the property, equity, and exit strategy make sense.
NoRatio Pro gives real estate investors another path. With 600+ FICO, eligible investors may be able to purchase, refinance, cash out, or exit hard money/private-money financing using a 30-year fixed investment property loan that does not use a DSCR ratio to qualify.
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Have a property that does not fit the traditional DSCR box?
Let’s review the scenario.
NoRatio Pro may be ideal for real estate investors who need stable 30-year fixed financing without traditional DSCR ratio headaches, tax return requirements, or hard money rates and terms..
Investment Properties Only - Subject property must be non-owner-occupied. The borrower cannot live in any part of the property.
🚀 Fast Closings: Average closing timeframe is approximately 3–5 weeks.
🔥 CREDIT STANDARDS - MINIMUM FICO: 600+
LTV is score-dependent. Borrowers with 600–649 FICO may qualify up to 60% LTV; 650+ FICO may qualify up to 75% LTV.
🚫 Not a rescue / bailout loan: all existing mortgage obligations must be current before closing. Recent mortgage delinquencies may affect final LTV and exception requests.
MAXIMUM LTV and EXCEPTIONS: Up to 75%. Rate-and-term refinances, cash-out refinances, and purchase transactions are eligible. Higher LTV leverage for some maturing note or hard money takeout scenarios may be considered case-by-case. Speak to a Loan Originator about your scenario.
MINIMUM LOAN AMOUNT: $75,000
MAXIMUM LOAN AMOUNT: $5 Million
LOAN TERMS: Long-term 30-year fixed-rate financing for rental and investment properties.
💵 CASH-OUT: Cash-out may be used for property improvements, investment purposes, debt payoff, or other business-purpose needs.
No tax returns or personal income documentation: No tax returns, W-2s, or personal income documentation are required to qualify.
✅ NO REQUIRED DSCR RATIO: A rent schedule may be ordered, but the loan is not qualified using a minimum DSCR ratio.
Refinance Occupancy Requirement: For refinance transactions, the subject property must be tenant-occupied. Vacant properties may still be eligible on purchase transactions.
Escrows Required: Property taxes and insurance are generally escrowed in the monthly payment.
ELIGIBLE PROPERTIES: 1 Unit | 2-4 Unit | 5+ Unit | Mixed-Use | Office, Retail, Warehouse, Storage, and Automotive-use investment properties.
Rural Property Note: Rural properties may be considered case by case, but approval depends on appraisal support, location, population size/density, available supporting comparable sales, property condition, marketability, equity position, and overall loan strength.
Foreign National Investors accepted. (Maximum LTV 75% if borrower lives part-time in the US, or 65% LTV if borrower lives abroad) Visit our Foreign Investor Program »
Title Seasoning: Recently acquired properties may be eligible.
Recently-marketed properties: For refinance transactions, if the property is currently or recently marketed for sale, the value used for underwriting will be the lower of the appraised value or the lowest listed sales price shown in the MLS.
Seller-Financing (purchase transactions): Seller financing may be permitted on purchase transactions, up to 90% combined LTV. For example, the borrower may obtain a 75% new NoRatio Pro first mortgage and a seller-carried second mortgage up to 15% of the purchase price.
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Yes, it may be possible to get a DSCR loan with a 600+ FICO score when the property, equity position, and mortgage history support the overall scenario. Many traditional DSCR loan programs require stronger credit scores, lower leverage, and a property cash-flow ratio that fits their guidelines.
NoRatio Pro is different. It is designed for real estate investors who need a more flexible DSCR loan option without using a minimum DSCR ratio to qualify.
This may be an option if you need a DSCR loan with a 600 credit score, want to refinance an investment property with a 620 FICO score, or need cash-out from a rental property without using tax returns, W-2s, paystubs, or personal income documentation.
🔑 The key difference: NoRatio Pro is not built around a perfect DSCR calculation. It is built around the investor’s credit profile, property type, equity position, mortgage history, and the overall strength of the scenario.
Hard money and private money loans can be useful for acquisition, renovation, bridge financing, or fast closings, but they are rarely meant to be permanent financing. The challenge comes when the note is maturing, the property is ready for long-term financing, and a standard DSCR refinance does not work because the rent schedule or DSCR ratio falls short.
NoRatio Pro may provide a cleaner exit strategy. Eligible real estate investors may be able to refinance a hard money loan, private-money loan, or maturing note into a long-term 30-year fixed investment property loan without qualifying through a minimum DSCR ratio.
This may be a strong fit for investors who need to:
🔑 The key difference: NoRatio Pro is designed for real estate investors who need a practical exit from short-term financing, even when a traditional DSCR ratio creates a roadblock.
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On a traditional DSCR loan, the lender compares the property’s rental income to the monthly housing payment to calculate a debt service coverage ratio. If the ratio is too low, the loan may not qualify, even if the borrower has equity, a strong exit strategy, or a property that makes sense long-term.
NoRatio Pro works differently. A rent schedule or market rent analysis may still be ordered, but the loan is not qualified using a required minimum DSCR ratio.
That can help real estate investors when:
🔑 The key difference: NoRatio Pro does not ignore the property, it removes the minimum DSCR ratio as the qualifying roadblock.
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NoRatio Pro and CreditQuick50 are sister programs. Both are designed for real estate investors who need a DSCR loan without using a required DSCR ratio to qualify.
The better fit usually depends on the borrower’s credit score, equity position, occupancy, and refinance or purchase strategy.
🔑 The key difference: NoRatio Pro is generally the stronger option for 600+ FICO investors who need more leverage. CreditQuick50 is generally the fallback option for lower-credit borrowers with substantial equity.
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If your FICO score is 600 or higher, start with NoRatio Pro.
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If your FICO score is below 600 but the property has strong equity, CreditQuick50 may still be worth reviewing.
Compare with CreditQuick50 »
💡 Both programs remove the minimum DSCR ratio as the qualifying roadblock, but they are built for different credit and equity profiles.
Whether you are buying, refinancing, pulling cash out, or exiting short-term financing, the key question is the same: does the overall scenario make sense without relying on a traditional DSCR ratio?
One no-ratio DSCR program. Multiple investor use cases.
NoRatio Pro uses score-based leverage. Borrowers with a 600+ FICO score may be eligible, but the maximum LTV depends on credit score range, loan purpose, property type, occupancy, reserves, mortgage history, and overall underwriting review.
* For some rate-and-term refinance, maturing note, or hard money takeout scenarios, higher leverage may be considered case-by-case up to 75% LTV when the overall scenario is strong.
🔑 The key difference: A 600–640 FICO score does not automatically disqualify an investor from DSCR financing. It simply changes the leverage range and how the overall scenario is reviewed.
NoRatio Pro may allow real estate investors to access equity from an eligible investment property without using tax returns, W-2s, paystubs, or personal income documentation to qualify.
Unlike standard DSCR cash-out refinance programs, NoRatio Pro does not require the property to meet a minimum DSCR ratio. A rent schedule may still be ordered, but the loan is not qualified based on a required cash-flow ratio.
📌Cash-out may be used for:
This can be especially useful when the property has equity, but the rent schedule, current lease, or market rent analysis does not support a traditional DSCR cash-out refinance.
🔑 The key difference: NoRatio Pro focuses on the overall investment property scenario, not just the rent ratio.
NoRatio Pro is available for a wide range of non-owner-occupied investment properties. The borrower cannot live in any part of the subject property, and the loan must be for business or investment purposes.
👉 Eligible property types may include:
For refinance transactions, the subject property must be tenant-occupied. Vacant properties may still be eligible on purchase transactions.
For 5+ unit properties, Net Operating Income may be reviewed. Long-term rental income is acceptable for qualification, but short-term rental income is not acceptable.
🔑 The key difference: NoRatio Pro is not limited to standard 1–4 unit rental properties. Certain multifamily, mixed-use, and commercial investment properties may also be eligible.
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For many real estate investors, the tax return does not tell the full story.
NoRatio Pro is designed for real estate investors who want to qualify based on the investment property scenario, not personal tax returns or employment income.
Borrowers do not need to provide tax returns, W-2s, paystubs, or personal income documentation to qualify. This can be especially useful for self-employed investors, business owners, full-time real estate investors, and borrowers whose tax returns do not show the full strength of their investment position.
Instead, the review focuses on the full scenario, including:
🔑 The key difference: NoRatio Pro removes two common qualification roadblocks: personal income documentation and a required minimum DSCR ratio.
Yes, it may be possible to get a DSCR loan with a 600+ FICO score through NoRatio Pro.
Borrowers with 600–649 FICO may qualify up to 60% LTV, depending on the full scenario. Property type, loan purpose, occupancy, reserves, mortgage history, and underwriting review all matter.
Yes. A 620 or 640 FICO score may be eligible under NoRatio Pro, with score-based leverage. Borrowers in the 600–649 range may qualify up to 60% LTV, while borrowers with 650+ FICO may qualify up to 75% LTV.
No. Many traditional DSCR loan programs prefer 660+, 680+, or higher credit scores, but NoRatio Pro may allow eligible real estate investors to qualify starting at 600+ FICO. The maximum LTV and final approval depend on the full investment property scenario.
NoRatio Pro uses score-based leverage. Borrowers with 600–649 FICO may qualify up to 60% LTV. Borrowers with 650+ FICO may qualify up to 75% LTV.
For some rate-and-term refinance, maturing note, or hard money takeout scenarios, higher leverage may be considered up to 75% LTV on a case-by-case basis when the overall scenario is strong.
“No ratio” means the loan is not qualified using a required minimum DSCR ratio. A rent schedule or market rent analysis may still be ordered, but the loan is not approved or denied based on meeting a specific cash-flow ratio.
No. NoRatio Pro does not require the property to meet a minimum DSCR ratio. This can help investors whose property does not qualify under standard DSCR guidelines because the rent schedule, lease income, or market rent analysis does not support the requested loan amount.
Yes, for residential investment properties, a rent schedule or market rent analysis may still be ordered as part of the appraisal process.
The key difference is that NoRatio Pro does not use that rent figure to qualify the loan through a required DSCR ratio.
NoRatio Pro uses score-based leverage. Borrowers with 600–649 FICO may qualify up to 60% LTV, while borrowers with 650+ FICO may qualify up to 75% LTV. For some rate-and-term refinance, maturing note, or hard money takeout scenarios, higher leverage may be considered case-by-case when the overall scenario is strong.
Yes, that is one of the main reasons investors use NoRatio Pro. If the property has equity and the overall scenario is strong, NoRatio Pro may still be an option even when the appraiser’s rent schedule or market rent estimate is too low for a traditional DSCR loan.
Yes. NoRatio Pro may be used to refinance a hard money loan into long-term 30-year fixed investment property financing. This can be useful when a hard money note is maturing and a standard DSCR refinance does not work because the rent schedule or DSCR ratio falls short.
Yes. NoRatio Pro may be used for maturing note takeouts, including certain private-money or hard money financing scenarios. The subject property generally needs to be tenant-occupied for refinance transactions, and existing mortgage obligations must be current before closing.
NoRatio Pro has no standard title seasoning requirement, so recently acquired properties may be eligible.
However, final approval depends on the full scenario, including current occupancy, mortgage history, property type, value support, and underwriting review. If the property was recently marketed for sale, additional value rules may apply.
Yes. NoRatio Pro allows cash-out refinances on eligible investment properties. Cash-out may be used for property improvements, business or investment purposes, debt payoff, future acquisitions, reserves, or other eligible business-purpose needs.
No standard cash-out cap applies. The amount of cash-out available depends on the property value, maximum LTV, credit score, loan purpose, mortgage history, reserves, and overall underwriting review.
Yes. NoRatio Pro does not require tax returns, W-2s, paystubs, or personal income documentation to qualify. The review focuses on the investment property scenario, credit profile, LTV, mortgage history, occupancy, reserves, and overall underwriting strength.
For refinance transactions, yes. The subject property must be tenant-occupied for NoRatio Pro refinances. Vacant properties may still be eligible on purchase transactions. The borrower cannot live in any part of the subject property.
Eligible properties may include 1-unit residential investment properties, 2–4 unit residential investment properties, 5+ unit multifamily properties, mixed-use properties, office properties, retail properties, warehouse properties, storage properties, and automotive-use investment properties.
Yes, foreign national investors may be eligible. Maximum LTV may be up to 75% if the borrower lives part-time in the U.S., or up to 65% if the borrower lives abroad. For full details, visit our Foreign Investor Program.
NoRatio Pro is generally the stronger option for investors with 600+ FICO who need higher leverage, with potential LTV up to 75%. CreditQuick50 is generally better suited for lower-credit, high-equity scenarios, with FICO scores as low as 500+ considered and leverage capped at 50% LTV. Both programs remove the minimum DSCR ratio as the qualifying roadblock, but they are built for different credit and equity profiles.
NoRatio Pro is not hard money. It is a long-term 30-year fixed investment property loan designed for real estate investors who need a no-ratio DSCR option. It may be used to refinance out of hard money, but it is intended to provide more stable long-term financing than short-term hard money or private-money loans.
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⚡POWER PACK ⚡
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1 Unit | 2-4 Unit | 5-9+ Unit | Mixed-Use
Office | Retail | Warehouse | Self-Storage | Automotive
🔥 #1 TOP NEW PROGRAM
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Office | Retail | Warehouse | Self-Storage | Automotive
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1 Unit | 2-4 Unit | 5-9+ Unit
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1 Unit | 2-4 Unit | 5-9+ Unit | Mixed-Use
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1 Unit | 2-4 Unit | 5-9+ Unit | Mixed-Use
⭐ TOP RISING NEW PROGRAM
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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.
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