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Investor Cash Flow Program

Investor Cash Flow

Property Investors can build their portfolios faster with our Investor Cash Flow Program.

  • Qualification based on property cash flow
    • Minimum DSCR* 1.0
    • DSCR 1.00 - 0.85 minimum 700 FICO®† and max 80 % LTV
    • 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.

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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.

Customer Reviews

Overall Rating:

1450 Review(s)
4.81
Debril T December 9, 2023
Nick was highly responsive and is clearly well-versed in the lending/homebuying industry. Answered any questions that I had and was available anytime I was concerned. Never showed frustration even though I asked the same questions multiple times to make sure I do what I was getting into. The entire process was easy, clear, and I was made to feel important and confident in the homebuying process I was going through.
Reply from The Nick Barta Team | Division President | Security First Financial: Thank you DJ. It was our pleasure. We are so honored that you let us be part of your homebuying journey. We hope you enjoy your new home. Let us know if there is anything we can do for you down the road.
Joseph B December 9, 2023
I selected this firm due to the having the highest number of processed buyers in the region and being one of the few firms able to utilize local programs. I was closely advised about the best loan structure for my needs and was amazed at the final outcome. Thank you to Nick, Drue, Peter and the rest of your team for everything!!!
Reply from The Nick Barta Team | Division President | Security First Financial: Thank you Joseph. It was a pleasure getting to meet you and being able to help you with your home buying journey. Congratulations on your new home!
Damian Scott M December 5, 2023
Very on point and easy to deal with. Made the overall experience amazing. I have no negative things to say at all. Great people to work with and a pleasure to have had them help our family. Thank you Nick!
Reply from The Nick Barta Team | Division President | Security First Financial: You are very welcome. Thank you for letting us be a part of your journey. Congratulations on your new home!
Daniel D December 4, 2023
Fue una experiencia muy buena la agente millie nos ayudó con todo muy bien y se prestaba con facilidad a los horarios y la disponibilidad que uno tenía en general fue muy bueno todo
Reply from The Nick Barta Team | Division President | Security First Financial: Muchas gracias Daniel, fue un placer trabajar con usted! Que disfrute de su nuevo hogar.
Cole K December 1, 2023
They made it very easy and stress free to close
Reply from The Nick Barta Team | Division President | Security First Financial: Thank you Cole. I hope you enjoy your new home. We are happy the it was a stress free process.