Investor Cash Flow Loan
Utilize the cash flow generated from your investment property to qualify for a loan to purchase or refinance it. We do not base loan qualification on your personal income or tax returns. This financing option, commonly referred to as a “DSCR loan” (debt service coverage ratio loan), presents a promising opportunity to expand your real estate portfolio. Our financing options are available for both purchases and cash-out or rate-term refinancing, and are solely dependent on the cash flow produced by the property in question. There are no restrictions on the total number of properties you may own, and personal income is not taken into consideration during the qualification process. By leveraging the cash flow of your investment property, you can acquire or refinance properties without worrying about the limitations of your personal income. This is an exceptional chance to grow your real estate portfolio and secure long-term financial benefits.
|
What is a “DSCR Loan”?
A DSCR loan is a loan that looks at the income produced by an investment property, and it does require personal income nor tax returns. The loan looks at the ratio between the monthly rent a property generates compared to the loan payment on the property.
To qualify for a DSCR loan, we as a DSCR Lender will examine the ratio between the monthly rent generated by the investment property and the loan payment for that property. This ratio is known as the Debt Service Coverage Ratio (DSCR).
If the property generates enough income to cover the monthly mortgage payment, then you will be eligible for a DSCR loan, provided that you have a good credit score and a sufficient down payment.
Overall, DSCR loans are designed to provide investors with an alternative way to finance their investment properties, based on the property’s income-generating potential.
Get a DSCR Loan
Why Use Our Services?
Make a Smart Move
GROW YOUR PORTFOLIO
Available for Purchases and Cash-Out or Rate-Term Refinance
Qualifications Based on Property Cash Flow
No Limit on Total Number of Properties
No Personal Income Used to Qualify
CONVENIENCE
Many Options
Quick Decisions
Quick Closing
“Football’s hard.
Moving doesn’t have to be,
Buy Before You Sell.”
Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach
QUESTIONS?
Call 1-877-405-3465
We Also Offer Other Investor Loans
CONVENTIONAL
We secure real estate investor loans.
LLC LOANS
Loans for your 1-4 family rental property.
BRIDGE LOANS
Low rate loan for your properties.
INVESTOR HELOC
Access the equity your properties.
About Hurst Lending's Real Estate Investing Services
Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high-quality real estate portfolio over time. Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors. Our loan products help investors: (1) grow their portfolios, (2) access their equity with no seasoning period or obtain an investment property HELOC, and (3) acquire properties without high-cost hard money loans.
We also love working with new investors (who have solid w-2 jobs) to help them start investing in real estate. People with w-2 jobs are able to access low-cost long-term fixed-rate financing and this is the best way to grow your portfolio over time. The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started. We solve this issue by offering our mortgage clients access to our real estate investing experts and providing our clients the same suite of tools, contacts, and contractors used by our founders for their own investment properties (at no extra cost).* If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com. He loves helping real estate investors grow their portfolios.
*Some services are only available in limited locations and offers may be changed at any time.
Over $1 Billion in Loans Funded
And we're just getting started!
We're Expanding
Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.
Latest Blog Posts
The Savvy Investor’s Guide: Traditional Loans vs. LLC Loans – Your Path to Real Estate Success
Author: Scott Bialek, Co-Founder of Hurst Lending Date: January 15, 2024Introduction Investing in real estate is like dancing on a financial tightrope – thrilling, but fraught with risks. As an investor, your top priority is to maximize your gains while minimizing...
Real Estate Investing 101: How to Take Advantage of Low-Down-Payment Loan Programs
Purchasing a multifamily property and occupying one of the units is a smart investment strategy for real estate investors. By taking advantage of special loan programs that offer low down payments like FHA and VA loans, you can maximize profits and minimize expenses. Hurst Lending specializes in providing low-down-payment loans for real estate investors, offering a variety of loan programs with exceptional customer service and a streamlined loan application process.
Rehab Loans
Does Hurst Lending offer rehab loans? Does Hurst Lending lend based on after repair value? The answer is absolutely to both! In the state of Texas, Hurst lends to real estate investors based on the after repair value (ARV) of a property that needs some updating or...
