DSCR Program

Credit scores starting at 640 | Up to 85% LTV, No MI

Newpoint Mortgage’s DSCR mortgage program allows your clients to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns.

  • Up to 85% LTV (Loan To Value)
  • Employment & Income not listed on 1003
  • Loan amounts up to $3,500,000
  • Cash Out up to $1,000,000
  • Investment Properties Only
  • Investors can qualify with a credit score as low as 640
  • Foreign National up to 85% LTV
  • 6 Months (PITI) Reserves are required (Principal, interest, taxes and insurance)
  • 12 Months (PITI) Reserves are required for Foreign Nationals
  • 3 Year Seasoning on Major Credit Events
  • Reserves for other financed properties not required
  • OK to use Cash Out proceeds for reserves

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