Investment-property financing
DSCR loan structures for eligible business-purpose real estate.
Review the property, proposed leverage, borrower profile and transaction objective before choosing a loan structure.
Potential structures
Program structure follows the complete scenario.
Available options vary by lender, property, credit profile, leverage, reserves, prepayment structure, loan size and state.
Fixed-rate options
Long-term fixed-rate structures can support predictable principal-and-interest payments.
- 30-year amortization may be available
- Prepayment options vary
- Final rate depends on the scenario
Interest-only options
Some programs may offer an initial interest-only period for eligible transactions.
- Payment changes after the IO period
- Eligibility and leverage vary
- Not appropriate for every investment
ARM and extended structures
Adjustable-rate or extended-amortization products may be considered where available.
- Adjustment terms must be reviewed
- Payment and risk differ by structure
- Program availability changes
Complete review
Common eligibility inputs
The DSCR desk evaluates the actual file rather than treating a headline program feature as an approval.
Property
Type, occupancy, condition, rent, value, taxes, insurance and HOA.
Borrower
Credit profile, experience, liquidity, reserves, vesting and guarantor information.
Transaction
Purchase or refinance purpose, loan size, leverage, prepayment and state eligibility.
Build the financing plan around the real transaction.
Share the exchange stage, proposed replacement-property direction and current assumptions with the 1031 Exchange DSCR Loan Desk.