Investor Cash Flow Loans (a.k.a. DSCR Loans) in North Carolina
A special home loan solution designed for someone that wants to invest in real estate in Raleigh or anywhere in North Carolina, Florida, Georgia, Illinois, Missouri, South Carolina, Tennessee and Virginia.
What is an Investor Cash Flow Loan?
Investor Cash Flow Loan (a.k.a. Debt Service Coverage Ratio Loan or DSCR Loan) is a unique program offered by Certified Mortgage Advisor Kevin Martini and Raleigh mortgage Broker Logan Martini and it allows one who wants to purchase an investment property or whom have an investment property portfolio and need an alternate means to qualify for an investment property loan. With this program, the Martini Mortgage Group qualifies the borrower based only on just the rental analysis to determine the properties cashflow not with personal income documents from the borrower which means a pay stub or a tax return is not needed. Approval with this unique Martini Mortgage Group program is based ONLY on the Debt Service Coverage Ratio (DSCR). DCSR, in the simplest form, is a calculation between the investment property’s cash flow to determine the ability to repay the mortgage.
The Invest Cash Flow Loan is a non-QM (Qualified Mortgage) financing option offered by the Martini Mortgage Group. In the simplest form, non-QM is a mortgage product that does not require a rigorous examination into personal finances of the borrower.
Investor Cash Flow Loan Benefits
Documentation of your personal income is not required nor is there a need to document your employment history when you apply for a Investor Cash Flow Loan. The loan approval is determined simply by the DSCR (e.g. the forecasted returns that your real estate investment will generate).
The Investor Cash Flow loan applications require less paperwork and fewer steps to complete, the process is turbo fast and super easy and because of this, you can close quickly on your investment dream property or to unleash cash from an investment property that is currently in your portfolio.
A perfect solution for a first-time real estate investor, a real estate investor that wants to grow their rental property assets or a seasoned real estate investor that wants to expand their current rental property portfolio. Since qualification is based on the Debt Service Coverage Ratio (DSCR), the number of properties you can secure are limitless.
Investor Cash Flow Loan Highlights
- Loan Amounts up to $3,000,000
- Purchase up to 80% Loan-To-Value
- Rate & Term Refinance up to 80% Loan-To Value
- Cash Out Refinance up to 75% Loan-to-Value
- Minimum credit score 600
- 15-year & 30-year Fixed Rate Options Available
- 30-year & 40-year Interest Only Available
- First-Time Investors Allowed
- Foreign Nationals Allowed
Invest in Real Estate with an Investor Cash Flow Loan in Raleigh and/or Basically Anywhere
The Invest Cash Flow Mortgage is one of the many non-QM (Qualified Mortgage) financing options offered by the Martini Mortgage Group. Banks Statement, 1099 Income Loans, Asset Only Qualifier Loans, ITIN Mortgage Loan and Foreign National Loans are some of the other non-QM solutions offered by the Martini Mortgage Group.
During a confidential and free consultation, we can walk you through the calculations used to determine if you qualify for a Investor Cash Flow Loan and explain the advantages to you in more detail. We are based in Raleigh and work with buyers throughout the state of North Carolina. We can also help you invest in real estate in Florida, Georgia, Illinois, Missouri, South Carolina,Tennessee and Virginia. If you are ready to apply for an Investor Cash Flow Loan, please give us a call at (919) 238-4934 to schedule your consultation.
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