Unveiling a New Avenue for Real Estate Financing

Presenting our DSCR Mortgage Product, a focused financing solution available to individuals, trusts, corporations, and LLCs. With lending capacity ranging from $150,000 to $800,000, this mortgage is apt for a diverse set of properties, including Condos, Townhomes, Multi-Family 1-8 units, Single Family homes, and Commercial assets.

This product provides a wide selection of lending terms to fit your specific investment strategy: 5-Year ARM, 7-Year ARM, 10-Year ARM, 30-Year Fixed, 40-Year Fixed, and Interest-Only options. With the Debt Service Coverage Ratio (DSCR) model, this mortgage allows investors to qualify based on property cash flow, providing greater flexibility to enhance your real estate portfolio.

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Who Is A DSCR Product For?

Our DSCR mortgage is strategically engineered for:

  • Individual Investors: Particularly beneficial for portfolio diversification across multiple rental properties.
  • Trusts: Empowers trusts to channel steady, long-term revenue through real estate.
  • Corporations: A lucrative choice for companies with revenue-generating real estate assets.
  • Limited Partnerships: Tailored for collaborative investment ventures in the real estate sphere.

How DSCR Benefits You

Key Advantages:

  • Leverage rental income, not personal income, for qualification.
  • Versatility in loan configurations.
  • Opportunity for higher loan values based on robust property cash flows

DSCR Loan Specific Requirements

Essential Qualifications:

  • Proof of rental income through executed lease agreements and financial statements.
  • A DSCR ratio generally above 1.0 to signify that income adequately covers debt obligations.
  • Comprehensive property appraisal and inspection documentation.

Mortgage Types Funded

Your rental strategy is pivotal in this mortgage type:

  • Short-Term Rentals: Ideal for properties in high-demand tourist locales or business centers.
  • Long-Term Rentals: Perfect for stable, recurring income.

We typically seek properties with a positive debt service coverage, as this indicates a healthy revenue stream capable of servicing the mortgage.

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Loan Amount Parameters

The DSCR mortgage range is extensive:

  • Minimum Loan: $150,000, accessible for budding investors.
  • Maximum Loan: $800,000, equipped to accommodate large-scale, multi-property ventures.
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DSCR Loan Terms

Select a loan term that fits your investment horizon:

  • 5-Year Adjustable-Rate Mortgage (ARM): Lower initial rates, ideal for short-term investment strategies.
  • 7-Year Adjustable-Rate Mortgage (ARM): Moderate initial rates suitable for medium-term financial planning.
  • 10-Year Adjustable-Rate Mortgage (ARM): Extended adjustable rate period for greater financial flexibility.
  • 30-Year Fixed-Rate Mortgage: Long-term stability with a fixed interest rate for the loan's duration.
  • 40-Year Fixed-Rate Mortgage: Extended fixed-rate term for reduced monthly payments.
  • Interest-Only Loans: Pay only the interest initially, offering lower monthly payments for a set period.

Availability Funding Eligibility

Our DSCR product is readily available to:

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Individuals

A direct and personalized approach to property acquisition

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Trusts

A tool for versatile, strategic real estate planning

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Corporations

Facilitating rapid portfolio expansion or diversification

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Partnerships

Capitalize on collective investment opportunities swiftly

Choose Barrett Financial's DSCR mortgage lending product to maximize your real estate investment potential. We're not just a lender; we're your strategic partner in realizing your financial and investment aspirations. Begin the application process now to capitalize on this unique opportunity.

States We Serve

Barrett Financial is proud to service multiple states across the U.S., offering comprehensive solutions to suit diverse regional needs. Check our map to find out if we service your state.

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