No DSCR needed with minimum 700 FICO®† and max 75% LTV
Credit scores starting at 600
No personal income / no employment needed
Up to 80% LTV
40-year fixed-rate interest only available
Loans up to $1.5 million, $75K minimum
No limit on total number of properties
Purchase and cash-out or rate-term refinance
Properties can be in LLC’s name
Non-warrantable condos OK
*DSCR – Debt Service Coverage Ratio: Rent / Mortgage
†FICO® is a registered trademark of Fair Isaac Corporation.
Investor Cash Flow Program FAQs
Can I get a mortgage for an investment property?
Yes, utilizing our Investor Cash Flow product allows for cash flow on the property to be used to qualify for the loan. No tax returns or employment information required.
Is personal income required to qualify for an Investor Cash Flow loan?
No personal income is required to qualify. This saves you from submitting complicated income statements and tax returns.
Nick and his team were very patient, understanding and supportive throughout the process. I am so thankful for the opportunity to have worked with Security First.
Reply from The Nick Barta Team | Division President | Security First Financial: Thank you Sonia. It was our pleasure. You were great to work with. I hope you enjoy your new home. Let us know if there is anything you need.
Hector M
April 17, 2024
Mr. Peter Phillips and along with his team 100000% EXCELLENT PEOPLE, top of the line. If it wasn't for Mr. Philips I would have not gotten a home, we live in Wray, Co very rural town and he made it happened. My family and I are very impressed and blessed that I found Security First Financial. Beyond Blessed with everyone.! Thank you so Much and god bless you all always!!!
Reply from Nick Barta: Thank you for your kind words. Pete is my production manager and we couldn't do what we do without him. I am very glad that you had a great experience and that you were able to get into your new home. We hope you enjoy it.
Alexandria Renee T
April 17, 2024
Fantastic crew.
Reply from Nick Barta: Thank you Alexandria. We are glad we were able to get you your new home. Congratulations!
Andrew E
April 16, 2024
Helped throughout the whole process! Always available day or night!
Reply from The Nick Barta Team | Division President | Security First Financial: Thanks Andrew. It was great to work with you again. Congratulations on your new place. We appreciate your trust.
Michelle Hayes H
April 4, 2024
Working with Nick has been a pleasant experience. Nick was always available to answer questions even on the weekends. My experience was painless! Nick and the Team made the process smooth and the closing was a success!
Reply from Nick Barta: Thank you Michelle. It was our pleasure. We are so happy for you. Congratulations on your new home.
-(2).png?sfvrsn=963aebdb_0 "security-first-financial-primary-logo"){kind=logo}