Investor Cash Flow Mortgages are the perfect option for someone whose primary income comes from investments rather than a typical paycheck.

If you don’t have traditional pay stubs to show your lender to verify your income, securing a traditional mortgage will be a challenge. An Investor Cash Flow Mortgage may be the perfect fit for you, instead.

What is an Investor Cash Flow Mortgage?

An Investor Cash Flow Mortgage allows borrowers to qualify without proof of income, sometimes called a “no income mortgage.” No personal income is required to qualify for an Investor Cash Flow Mortgage, so you won’t have to hassle with tax returns or other records to prove income without pay stubs.

Borrowers are instead qualified based on the cash flow from their investments, for and DSCR above 1.0.

Our Investor Cash Flow Mortgages are available for up to $1.5 million, with no limit on the number of properties financed. They can be used for the initial purchase or the refinance of a property.

Properties purchased or refinanced with an Investor Cash Flow Mortgage can be placed in an LLC’s name or in the personal name of the investor, depending on what suits your needs best. The property cannot be used as the borrowers primary residence, and the borrower must own another property the is the primary residence.

We offer Investor Cash Flow Mortgages for up to 80% LTV, which means up to 80% of the property’s value can be financed. 40-year interest-only loans are also available for the most qualified candidates.

How Can I Qualify for an Investor Cash Flow Mortgage?

To qualify for an Investor Cash Flow Mortgage, you will need a credit score of at least 600. Credit scores above 700 will secure the most favorable terms. No employment or income verification will be required, but the lender will need to see housing history and proof of owning a primary residence.

If your credit score is above 700, no DSCR will be needed to qualify for the Investor Cash Flow Mortage. This will likely translate into an even faster loan process, with no need to secure appraisals and comps to verify DSCR.

Who is the Best Fit for an Investor Cash Flow Mortgage?

The best candidate for an Investor Cash Flow Mortgage is someone who is ready to invest in real estate income properties but does not have the income required to qualify for other traditional loans. If you have excellent credit and are confident that you can consistently rent out the property to cover the loan payments, you are likely a good fit for an Investor Cash Flow Mortgage.

If you are looking for a cash-out refinance or a rate-term refinance on your income property’s existing mortgage, an Investor Cash Flow Mortgage may be an excellent option for you, as well.

What Properties Qualify for an Investor Cash Flow Mortgage?

You can use an Investor Cash Flow Mortgage to finance a variety of kinds of properties. Condos that are non-warrantable and won’t qualify for many mortgages are still eligible properties for an Investor Cash Flow Mortgage. This might include a unique property like a houseboat or tiny house, or a condo community where not all tenants are current on their payments.

Other properties that qualify for an Investor Cash Flow Mortgage include single-family homes, duplexes, condos, townhomes, and apartment buildings. If you are considering any kind of property as an investment, its likely that an Investor Cash Flow Mortgage will work for you.

If an Investor Cash Flow Mortgage sounds like it might be the right fit for your next property investment, reach out to us today to find out how we can help!