Loan Programs

What is the DSCR？

DSCR (Debt Service Coverage Ratio) Program.
This is the easiest program among all of the Non-QM programs. Investment Properties Only.
Income/Employment Status/Tax Return are not required.

DSCR Program Highlights

♦ 30 Years Fixed

♦ Rental Income Qualify

♦ Foreign National Allowed

♦ First Time Investor Acceptable

♦ Allow to Close Under LLC

♦ Gift Funds Allowed

♦ Appraisal Transfer Acceptable

♦ Short Term Rental Eligible

♦ ITIN (Min DSCR 1.0)

Please call for price:
• FICO 620-659
• Mortgage late payment
• Short term rental
• Loan amt >$2.0 million
• Foreign National LTV>70% or ITIN>75%

• Rural Property

Benefits of DSCR

No ratio DSCR is a loan product that does not verify or require the borrower's income because it does not involve the calculation of DTI (Debt-To-Income Ratio). Importantly, the minimum DSCR (Debt Service Coverage Ratio) can be as low as 0. Even if the rental income is low, we can still do it! This is a good choice for borrowers with low income or more liabilities.This makes it a viable option even for those with low rental income, making it a good choice for borrowers with lower income or higher liabilities.

In addition, this program is also open to Foreign Nationals, especially those with F1 visas. If you're a foreign national and unable to qualify for a conventional mortgage loan, please contact us to discuss your loan scenario.

If you have any questions about DSCR program, 

Please email to hello@aaalendings.com or call us: 1 (877) 789-8816.