(443) 604-7456 | bbarrow@jbmgcapital.com

DSCR Loan Programs

DSCR Long Term Rental Loans

Debt Service Coverage Ratio or "DSCR" Loans. This product requires no income docs and uses the rental cash flow to qualify. Designed for investors that want a low documentation transaction, but not Hard Money rates. Purchase to 85%LTV, Rate & Term to 80%LTV, and Cash Out to 80%LTV. 30 year notes are the most common. We also have 3, 5, 7, 10 year fixed periods that can adjust after. 40 year amortization with a 10 year interest only "I/O" period is available as well. These transactions have NO minimum loan amount!

Bridge/Fix and Flip/Hard Money

Short Term financing to get your project completed. These loans get underwritten very quickly and can close in as little as 7-10 days. No appraisal needed. 12, 18, and 24 month Purchase and Refinance loans available. $50k minimum loan amount.

Portfolio Loans

Long Term rental loans that help eliminate the transaction costs of multiple properties. Purchase or Refinance multiple properties at once, under one loan. Underwriting guidelines and loan terms are similar to single property rental loan financing.

Ground Up Construction

Start from scratch with this Short Term loan. 12, 18, 24 month financing available. Up to 75% of As-Is value. Max loan amount up to 75% After Repair Value "ARV" and up to 90% total Loan-to-Cost "LTC". Loan amounts up to $3M.

Mixed Use Properties

Short and Long Term financing available. Asset-based, personal income is not required. Loan terms are based on the value of the property and its revenue-generating potential. Properties can be residential, commercial, industrial, and/or institutional mixed.

Commercial Properties

Bank Direct and SBA financing. I have a wide array of options. No deal too big or too small. Let's look at each transaction details and go from there. 100% financing available.