Investing in real estate can be a highly lucrative venture, especially when you have the right financial partner to support your ambitions. Smart Mortgage offers Debt Service Coverage Ratio (DSCR) programs tailored for investors, providing a range of flexible and accessible financing options. Here are the highlights of our DSCR programs designed to help you maximize your investment potential.

Comprehensive Investment Purchase & Refinances

Whether you’re looking to purchase a new investment property or refinance an existing one, our DSCR programs cater to both needs. This flexibility ensures that you can continuously grow and optimize your real estate portfolio.

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No Minimum Credit Score Required

One of the standout features of our DSCR programs is the absence of a minimum credit score requirement. You can secure financing with up to 50% Loan-to-Value (LTV) or 90% Combined Loan-to-Value (CLTV), making it accessible to a broader range of investors.

Versatile Loan Options

We offer both 30-year fixed and 5-10 year interest-only programs, providing you with the flexibility to choose a repayment plan that aligns with your financial strategy.

Generous Cash-Out Options

Our DSCR programs allow for up to 50% LTV cash out, giving you the liquidity you need for further investments, renovations, or other financial needs.

Property Types and Uses

We finance a wide array of property types, including:

Single-Family Residences (SFR)
2-4 Family Units
Multi-Family Units
Mixed-Use Properties
Office Spaces
Retail Properties
Warehouses
Self-Storage Facilities
Automotive Facilities
Day Care Centers
Airbnb Properties
Restaurants**
Churches**

Note: Churches must not be standalone properties and must not be owned by non-profit organizations.

Accessible Financing Amounts

Our DSCR programs cater to investments ranging from $75,000 to $5,000,000, ensuring that both small and large-scale investors can benefit.

Flexible Financial History Requirements

We understand that financial setbacks can happen. That’s why our DSCR programs accept applicants with prior bankruptcies or defaults, as long as they have been discharged for at least one day. Additionally, mortgage lates are acceptable as long as you are current at closing.

No Payment Reserves or Income Documentation Required

To make the financing process even more accessible, we do not require payment reserves or income documentation. This streamlines the application process and allows for faster approvals.

No DSCR Requirements

Our programs do not have DSCR requirements, simplifying the qualification process and making it easier for you to secure the funding you need.

Nationwide Availability (Excluding Rural Properties)

Smart Mortgage’s DSCR programs are available nationwide, with the exception of rural properties. This wide coverage ensures that you can take advantage of our programs no matter where your investment property is located.

Investing in real estate can be complex, but with Smart Mortgage’s DSCR programs, you have a partner that understands your needs and offers flexible, accessible solutions to help you achieve your investment goals. Contact us today to learn more about how our DSCR programs can benefit your real estate investment strategy.