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:

1498 Review(s)
Matthew S June 13, 2024
I found the process to be easy and straightforward. I was guided through the process at each step, and the service was always courteous and efficient. My wife and I want to thank Pete and Karissa for their help and guidance!
Narhda G June 12, 2024
Made the entire process easy and stress free!
Martha Robin H June 5, 2024
Nick was readily available to answer our questions and to keep us updated on our loan process. He is very thoughtful and considerate and a pleasure to work with!
Reply from The Nick Barta Team | Division President | Security First Financial: Thanks Robin. It is always nice to work with friends. Congratulations on your new place! I hope you and Mike enjoy it for many years to come.
Millicent Nana Adwoa M May 29, 2024
Nick and his team are very professional, they make you very comfortable throughout the entire process, answer your questions, not rush you when they ask for documents and they go above and beyond to provide you with the best. I will recommend Nick to anyone that wants to buy a home and I know they will feel the same way I feel right now when they are through with buying their home. Thank you so much Nick!
Reply from Nick Barta: Thank you Millicent for your kind words. It was our absolute pleasure. I am so happy for you and we all appreciate your trust in us. Congratulations on your new home!
Janet Raegan L May 28, 2024
Referral by our realtor Mike Boyd.
Reply from The Nick Barta Team | Division President | Security First Financial: Congratulations Janet. Thank you for working with us. It was a pleasure!