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EXPLORE DSCR LOAN FAQs
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Refinance, cash out, or exit hard money with a 30-year fixed investment-property loan that does not use a minimum 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 a 600+ credit score, eligible investors may be able to refinance, cash out, or exit hard money or private money financing using a 30-year fixed rate investment-property loan that does not use a minimum DSCR ratio to qualify.
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← Back to main DSCR Programs
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 SCORE - MINIMUM 600 FICO
LTV is score-dependent
600–649 credit score: up to 65% LTV
650-674 credit score: up to 70% LTV
675+ credit score: 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.
LTV EXCEPTIONS: Higher leverage may be considered on a case-by-case basis for certain rate-and-term refinances, maturing-note scenarios, or hard-money takeouts. Speak with a Loan Originator about your specific scenario.
Higher LTV leverage for maturing note or hard money takeout scenarios considered on a case-by-case basis. 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.
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.
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Yes. It may be possible to qualify for a DSCR refinance with a 600+ credit score when the property, equity position, mortgage history, and overall scenario support the loan. Many traditional DSCR programs require stronger credit, lower leverage, and a property cash-flow ratio that meets a minimum guideline.
NoRatio Pro is different. It is designed for real estate investors who need a more flexible refinance option without using a minimum DSCR ratio to qualify.
This may be an option if you need to refinance an investment property with a 600, 620, or 640 credit score, access cash-out from a rental property, or replace hard money, private money, or a maturing note without using tax returns, W-2s, paystubs, or personal income documentation.
🔑 The key difference: NoRatio Pro is not built around achieving a minimum DSCR calculation. Qualification is based on the investor’s credit profile, property type, equity position, mortgage history, and the overall strength of the refinance scenario.
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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, but a standard DSCR refinance does not work because the rent schedule or minimum DSCR requirement falls short.
NoRatio Pro may provide a cleaner exit strategy. Eligible real estate investors may be able to refinance hard money, private money, or a 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 requirement 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 CreditQuick60 are sister refinance programs. Both are designed for real estate investors who want to refinance without using a required minimum DSCR ratio to qualify.
The better fit usually depends on the borrower’s credit score, desired leverage, property equity, occupancy, mortgage history, and overall refinance scenario.
🔑 The key difference: NoRatio Pro generally provides higher leverage for borrowers with 600+ credit, while CreditQuick60 is built for high-equity refinance scenarios with no minimum FICO requirement.
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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, CreditQuick60 may still be worth reviewing.
Compare with CreditQuick60 »
💡 Both programs remove the minimum DSCR ratio as the qualifying roadblock, but they are built for different credit and equity profiles.
Whether you need rate-and-term financing, cash-out, or an exit from hard money or a maturing note, 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 refinance options.
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. NoRatio Pro is available starting at a 600 credit score. Borrowers in the 600–649 range may qualify for up to 65% LTV, depending on the overall refinance scenario.
Property type, occupancy, reserves, mortgage history, equity position, and underwriting review all matter.
Yes. A 620 or 640 credit score falls within NoRatio Pro’s 600–649 credit tier and may qualify for up to 65% LTV.
The loan does not require a minimum DSCR ratio, so it may be useful when standard DSCR programs do not work because of rent schedule or cash-flow limitations.
No. Many traditional DSCR programs may prefer higher credit scores, but NoRatio Pro starts at a 600 minimum credit score.
Maximum leverage is score-dependent:
Final approval still depends on the full investment-property scenario.
The minimum credit score for NoRatio Pro is 600.
Maximum LTV is score-dependent:
Certain rate-and-term refinances, hard-money takeouts, private-money takeouts, or maturing-note scenarios may be considered for higher-leverage exceptions on a case-by-case basis.
“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.
Yes. For NoRatio Pro refinance transactions, the subject property must be tenant-occupied. The borrower cannot live in any part of the 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 fit for investors with 600+ credit who need higher leverage. Maximum LTV is score-dependent, with eligible borrowers potentially qualifying up to 65% LTV at 600–649, 70% LTV at 650–674, and 75% LTV at 675+.
CreditQuick60 is designed for high-equity refinance scenarios with no minimum FICO requirement and leverage up to 60% LTV.
Both programs remove the minimum DSCR ratio as a 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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MEET OUR POWER PACK SOLUTIONS
CREDITQUICK60
High Equity No Ratio DSCR Refinance
No Minimum FICO Required
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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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1 Unit | 2-4 Unit | 5-9+ Unit | Mixed-Use
No RATIO PRO
Higher-Leverage No-Ratio DSCR Refinance
600+ FICO • Up to 75% LTV
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1 Unit | 2-4 Unit | 5-9+ Unit | Mixed-Use
⭐ TOP RISING NEW PROGRAM
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INNOVATIVE SPECIALTY DSCR SOLUTIONS FOR PROPERTY INVESTORS
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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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