Designed for value-add or lease-up scenarios where traditional DSCR requirements cannot be met.
Program features and property types
- DSCR below 0.75 eligible
- Lower LTV caps for risk adjustment
- Manual underwriting required
- Clear exit strategy documentation
- Higher reserve requirements
- Experienced borrowers preferred
- Property types: Single Family, Townhome, 2-4 Units
Business-purpose review
Business-purpose loans only. Manual underwriting required for all applications.
Rates, fees, points, LTV, terms, and prepayment provisions vary by wholesale lender, borrower profile, property, state, and program. This is not a public rate sheet or an offer of specific terms.