DSCR LOAN PROGRAMS
SINGLE FAMILY
Competitive Rates
Up to 80% of purchase
Up to 75% on cash-out refi
Loans $250K – $3M
LOW RATIO
NO RATIO
1st Time Investor OK
Foreign National OK
2-4 UNITS
Competitive Rates
Up to 80% of purchase
Up to 75% on cash-out refi
Loans $250K – $3M
LOW RATIO
NO RATIO
1st Time Investor OK
Vacant Units OK
Foreign National OK
MIXED USE
Competitive Rates
Up to 75% of purchase
Up to 70% on cash-out refi
Loans $400K – $3M
1st Time Investor OK
Vacant Units OK
5-10 UNITS
Competitive Rates
Up to 75% of purchase
Up to 70% on cash-out refi
Loans $400K – $3M
1ST Time Investor OK
Foreign National OK
WHY PADCENTS?
Easier Qualification
DSCR loans focus on the property's income potential, not the borrower's personal income. This makes them ideal for self-employed investors or those with complex income structures.
Less Documentation
With less emphasis on personal finances, DSCR loans typically require less paperwork to process, leading to a faster application process.
Grow your portfolio faster
DSCR loans don't require paying off existing properties before buying new ones, allowing investors to expand their portfolio quicker.
New Investor Friendly
Because they rely less on traditional income verification, DSCR loans can be a good option for those just starting out in real estate investment.
Works with different properties
DSCR loans can be used to finance both long-term rentals and short-term rentals like AirBnB properties.
Cash Flow
The DSCR calculation itself can be a helpful tool for investors to assess a property's potential profitability in relation to the loan obligations.
CHECK YOUR RATE TODAY!
Our dedicated team is here to support your success in the competitive real estate market. Whether you’re an experienced investor or just beginning your journey, our wide range of loan options and attractive rates are designed to help you finance your aspirations. From Single Family rentals to Mixed Use properties, we offer the financial backing you need to succeed. Discover the Padcents difference and elevate your real estate investments. Start your journey today by applying for a loan tailored to your specific goals!