INVESTOR RESIDENTIAL – DSCR 1-8 UNIT LOANS

Nationwide Investor Residential DSCR Lender

We offer borrower-friendly investor residential DSCR loans with programs designed to assist brokers in leveraging this highly lucrative financing niche.

At Stronghill Capital, we are a national leader in small-balance investor residential DSCR lending for properties in the 1-8 unit residential segment. We combine competitive rates and a hassle-free process, from application to close, to offer fundings in as little as 30 days.

Case Study

This $186,900, 70% LTV, cash-out refinance of a 4-unit investor residential property in Bristol, CT enabled the borrower to lower their interest rate and access funds for additional investment. With more money and a lower cost of funds, the borrower is in better position to reach their objective of growing their investment portfolio.

Deal Highlights

LOAN TYPE

PROPERTY TYPE

LOAN AMOUNT

LTV

DSCR

TERM

BROKER PAYOUT

Cash-Out Refinance

4-Unit Residential

$186,900

70%

1.64x

30-year Fixed, Fully Amortizing

$4,500

At Stronghill, we listen and help our clients attain their short- and long-term financial goals.

Program

Features

LOAN AMOUNT

TERMS

RATES

YSP

LOCATION

PROPERTY TYPES

LTV MAX.

DSCR MIN.

AMORTIZATION

PREPAYMENT

RECOURSE

CREDIT SCORE

DEPOSIT & FEES

1-8 Unit

$150,000 – $4,000,000

30 Years

Competitive Market Rates

Available

Nationwide, except SD

Investment Residential (1-8 Units)

Up to 80% – Purchase and R&Term Refinance, Up to 75% – Cash Out

1.00x

30 years; Interest Only options available

Required but negotiable

Full

Minimum 620

Required, but varies per transaction

Mixed Use

Program

Features

LOAN AMOUNT

TERMS

RATES

YSP

LOCATION

PROPERTY TYPES

LTV MAX.

AMORTIZATION

PREPAYMENT

RECOURSE

CREDIT SCORE

DEPOSIT & FEES

DSCR MIN.

$150,000 – $4,000,000

30 Years

Competitive Market Rates

Available

Nationwide, except SD & ND

Mixed-Use >50% Residential (2-8 Units)

Up to 75% with as little as 25% down upfront

1.00x

30 years; Interest Only options available

Required but negotiable

Full

Minimum 620

Required, but varies per transaction

Stronghill Approach

Our DSCR program for 1-8 unit residential properties allows you to qualify and close more deals. We take a streamlined approach to underwriting property related cash-flows and you’ll never have to worry about borrower income verification or minimum experience requirements

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No Vacancy/Credit Loss

PITI Expense Only

No Income Verification

No Borrower Experience Required

No operating expenses

even on the commercial units!

As with other property types, Stronghill’s lending guidelines are flexible and here to meet the needs of your borrowers. Most importantly, we truly partner with our mortgage broker clients to guarantee smooth closings. By providing options for leased or vacant properties, with long-term and short-term rents, Stronghill has the solution.

Why Stronghill?

Since we follow a highly predictable and streamlined approach, that ensures results for your borrowers, Stronghill is a lender that you can always depend on.