No Ratio DSCR Loans for Negative Cash Flow Properties Explained скачать в хорошем качестве

No Ratio DSCR Loans for Negative Cash Flow Properties Explained

Can you finance a rental property that does NOT cash flow? Yes — with a No Ratio DSCR loan, real estate investors can qualify without meeting a debt service coverage ratio and without proving income. In this video, Loan Officer and real estate investor John Thomas (NMLS #38783) explains how No Ratio DSCR loans work, who qualifies, property eligibility, credit requirements, and how investors use this strategy to scale portfolios — even when a deal shows negative cash flow. 🔎 What Is a No Ratio DSCR Loan? A No Ratio DSCR loan is a Non-QM investor mortgage that: • Does NOT require rental income to meet a DSCR threshold • Does NOT require tax returns, W2s, or pay stubs • Does NOT calculate personal debt-to-income • Allows negative cash flow properties • Can close in an LLC • Works for investment properties only John Thomas offers: • Up to 80% LTV on purchases • Up to 70% LTV on cash-out refinances • 660 minimum FICO • Loan amounts up to $3,000,000 • Available for ITIN & DACA borrowers • Seller assistance up to 6% This is designed for real estate investors who are buying for appreciation, repositioning, or long-term rent growth. 🏘 Eligible Property Types ✔ Single Family Residences (SFR) ✔ Townhomes ✔ PUDs ✔ 2–4 Unit Properties ✔ Warrantable & Non-Warrantable Condos Investment property only. Not for owner-occupied homes. 💡 Why Investors Use No Ratio DSCR Loans Many strong deals get declined under traditional DSCR rules because rent does not meet a 1.0 ratio. But if rents rise 3% annually, a property that is slightly negative today can turn positive in just a few years. That’s strategic investing. This video explains how experienced investors structure these deals. Learn more about No Ratio DSCR Loans at https://delawaremortgageloans.net/no-... 📞 Ready to Review Your Deal? If you’re looking at a property that doesn’t meet standard DSCR guidelines: Call or text John Thomas directly: 📱 (302) 703-0727 Schedule a 30-minute strategy call: 👉 https://schedule.johnthomasteam.com/3... Apply online: 👉 http://www.PRMILoanApplication.com Fast review tip: Send the property address, estimated rent, and your credit score range. You’ll get a quick answer on whether No Ratio DSCR is a fit. ⏱ Video Chapters 00:00 – Can You Finance a Negative Cash Flow Rental? (Hook) 00:30 – Direct Answer: What Is a No Ratio DSCR Loan? 01:02 – Why Traditional DSCR Loans Decline These Deals 01:25 – What Is a No Ratio DSCR Loan? (Full Breakdown) 01:57 – No Ratio DSCR Loan Guidelines & Loan Limits 02:34 – Eligible Property Types 02:50 – Real Investor Example (Negative to Positive Cash Flow) 03:25 – Rent Growth Scenario (3% Annual Increase Explained) 03:24 – Common Myths About No Ratio DSCR Loans 03:52 – Step-by-Step: How to Qualify 04:23 – Why Investors Work With John Thomas 04:50 – Frequently Asked Questions 05:22 – How to Apply / Contact John Thomas #DSCRLoan #RealEstateInvesting #InvestmentProperty #NonQM #JohnThomasLoans