DSCR Second MortgageKeep your rate. Access your equity.
Unlock the equity in your rental property without refinancing your first mortgage. No income verification. No reserve requirements. Qualification based solely on property cash flow.
Up to 80% CLTV
$75K - $500K loans
Keep Your Rate
Don't lose your low rate
No Income Docs
Property cash flow only
Preserve your low rate
In today's rising rate environment, refinancing means losing your low first mortgage rate. Our second mortgage solution lets you access equity while keeping your existing loan intact.
Preserve Your Low Rate
Got a first mortgage under 4%? Keep it! Our second mortgage sits behind your existing loan without touching your favorable rate.
Access Your Equity
Unlock up to 80% CLTV on your rental property. Use the funds for renovations, additional investments, or portfolio expansion.
Streamlined Process
No W-2s, tax returns, or pay stubs needed. Qualification based purely on your property's rental income and DSCR ratio.
Designed for equity-focused investors
Maximize your portfolio without sacrificing your existing low rates.
No Income Documentation
No W-2s, tax returns, or employment verification required. Property cash flow is all that matters.
DSCR Qualification
Minimum 1.00 DSCR ratio. Qualification based solely on the subject property's rental income.
$75K to $500K Loans
Flexible loan amounts to match your investment needs. Maximum CLTV of 80%.
Multiple Property Types
SFR, PUD, townhomes, and 2-4 unit properties. 5% CLTV reduction for 2-4 units.
AVM Options Available
For loans under $400K, we offer AVM options with a 1025 or 1007 rent schedule for faster processing.
No Reserves Required
Unlike traditional mortgages, we don't require cash reserves. Your property income is the qualification.
Qualification requirements
Property Requirements
- Single Family Residences (SFR)
- Planned Unit Developments (PUD)
- Townhomes
- 2-4 unit multi-family properties
- Must be an investment property
- Maximum 80% CLTV (75% for 2-4 units)
Borrower Requirements
- Minimum 680 FICO score
- Minimum 1.00 DSCR ratio
- Loan amount: $75,000 - $500,000
- No income verification required
- No employment documentation needed
- No cash reserves required
Perfect for these scenarios
Portfolio Expansion
Use equity from one property to fund the down payment on your next investment without refinancing.
Property Improvements
Finance renovations or upgrades to increase rental income and property value.
Debt Consolidation
Pay off high-interest debt while keeping your low first mortgage rate intact.
Ready to unlock your equity?
Keep your low rate. Access your equity. Grow your portfolio. Get pre-qualified in minutes.