Why go no-ratio?
Standard DSCR loans require the rent to cover the payment. That rules out high-value properties in expensive markets, vacant properties, and anything you plan to lease later. A no-ratio loan removes that test.
- No income verification, tax returns or bank statements
- No DSCR, leases or rent roll
- Purchase, rate/term and cash-out refinance
- Foreign nationals and ITIN to 65% LTV
- Secondary financing allowed to 90% CLTV
How the price is set
Your rate is set by your credit score band and LTV, with optional buydowns: each point paid lowers the rate 0.375%, and you can shorten the standard 5-year declining prepayment penalty for a higher rate. Our pricer shows every combination instantly.
No-Ratio DSCR Loans: terms at a glance
| Max LTV | 75% (1–4 units) |
|---|---|
| Loan amount | $75,000 – $2MM; Super Jumbo to $10MM |
| Term | 30-year fixed, fully amortizing |
| Rate buydown | 1 point = 0.375% lower |
| Prepayment | 5-year declining; buydown to 1 year |
| Documentation | No income, no DSCR, no rent roll |
Terms shown are representative and subject to underwriting, appraisal and state availability. All loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.