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❓ If my purchase price is 50% of the value of the house, will the DSCR cover 100%? ▶️ Answer: No. DSCR lenders will take the lesser of the purchase price and value ​ ❓ Can I get 80% LTV on a cash out refinance? ▶️ Yes, depends on the state ​ ❓ Can I use an income approach on a single family or fourplex? ▶️ ​ Answer: No. 1-4 unit properties are residential and appraised using a Sales Income Approach ​ ❓ Can I refinance a manufactured home? ▶️ Yes! You can get up to 75% LTV with the right lenders, too. ​ ❓ I don’t own anything, can I still get a loan? ▶️ Yes! These loans are perfect for new or seasoned investors. ​ ❓ Can I remove the prepayment penalty period? ▶️ Yes, generally. Your interest rate or fees would slightly increase, as a result. ​ ❓ Can you DSCR multifamily? ▶️ Yes! Residential and commercial properties can qualify. ​ ❓ Do I need a 1.2 DSCR to get this loan? ▶️ NOPE! Most lenders will approve a 1.0 DSCR (some, even lower, but don’t buy a property that’s negatively cashflowing) ​ ❓ What states do you not lend in? ▶️ North and South Dakota 😔 ​ ❓ Can I get a DSCR to buy and renovate a property? ▶️ No, DSCR loans do not give you funds to rehab a property. Use a Hard Money Loan. ​ What questions do you still have?