abc — Direct Nationwide Lender

Financing/DSCR

DSCR 30 Year Mortgage

Here’s the idea: we don’t lean on stacks of income paperwork. When rental cash flow supports the file, many investors may qualify for purchase or refinance with less traditional income paperwork—subject to underwriting.

Discuss this structure

Program snapshot

Loan amount

Financing available up to $5 million

LTV

Borrow up to 80% LTV

Credit score

660 floor

Min. DSCR

No published floor

Borrower focus

Investors · non-owner-occupied

Program guidelines

Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.

Loan purpose

  • Purchase or refinance non-owner-occupied rental property
  • Support investors qualifying primarily through property cash flow
  • Access eligible cash-out for portfolio growth or investment strategy

Loan term

  • 30-year fixed-rate option
  • 5/6 ARM
  • 3/6 ARM
  • Liquidity check: 3 months of PITIA reserves required

Loan amount

  • Maximum loan size under this program: up to $5 million

Loan to value (LTV)

  • LTV capped at 80%

Minimum credit score

  • 660

Minimum DSCR

  • No fixed DSCR floor in published guidelines—cash flow, reserves, and the full file still control approval.

Property type

  • Collateral must be non-owner-occupied

Eligible property types

  • Single-family residence (SFR)
  • 2- to 4-unit residential properties
  • PUDs
  • Condos
  • Townhouses

Eligible borrowers

  • U.S. citizens and permanent resident aliens
  • Non-permanent resident aliens
  • LLCs

Key features & detail

A concise overview of how this DSCR program is typically structured.

  • Designed for non-owner-occupied rental property financing.
  • Available for purchase, rate/term refinance, and cash-out refinance scenarios.
  • Underwriting primarily evaluates property cash flow and rental performance.
  • Fixed-rate and ARM options are available, depending on file profile and market terms.
  • Documentation, pricing, and final terms vary by borrower qualifications and property characteristics.

Need help choosing a program?

Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.

Contact the desk

Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.