(302) 703-0727

(302) 703-0727

Investor Cash Flow Loan Program

John Thomas May 29, 2019 Tags: ,
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Grow Your Real Estate Investments! Take an Investor Cash Flow Loan

Are you a Real Estate investor who is hoping to maximize your earning potential? Then we’re excited to present you with the Investor Cash Flow Loan Program for the purchase or refinance of an investment property without having to document your income to qualify. We will qualify you off the cash flow of the property you are buying or refinancing. Call 302-703-0727 to get started today or you can APPLY ONLINE.

Now What Is an Investor Cash Flow Loan?

The Investor Cash Flow Mortgage allows a real estate investor to use the cash flow on the subject property to be used to qualify for the new mortgage loan. The program covers loans for non-owner occupied properties between one and four units. No tax returns or employment information is required to qualify for the loan. There is no limit to the number of financed properties but you are limited to 5 financed properties with Primary Residential Mortgage. This innovative program can be used effectively to build a portfolio of income generating properties.

The debt service coverage ratio (DSCR) of the subject property is used to calculate the funds that can be used to qualify as follows:

  • DSCR is defined as gross rents divided by qualifying PITI & HOA. 100% of the rents can be used for DSCR.
  • DSCR must be greater than or equal to 1. (The gross rent must be greater than the mortgage payment including principal, interest, taxes, insurance, and any property association fees.)

DSCR Sample Calculation:

Investor Cash Flow Loan DSCR Calculation Example

Benefits of a Cash Flow Loan

  • No personal income used to qualify
  • No limit on number of properties financed
  • No DTI restrictions
  • No employment required on application
  • Qualification based on property cash flow
  • Loans up to $1.5 million (minimum loan $75,000)
  • Up to 80% LTV (including cash-out)
  • Interest-only available
  • Can Close in the name of LLC
  • Up to 2% Seller Paid Closing Costs
Investor Cash Flow Loan

What Type of Properties are Eligible for This Loan?

The Investor Cash Flow home loan can be used to finance a variety of different types of properties. The Following is a list of the eligible property types:

  • Single Family Homes
  • Townhouses
  • 2 – 4 unit residential properties
  • Mixed-Use Properties
  • PUDs
  • Warrantable Condos
  • Non-warrantable Condos on a case by case basis.

What are The Requirements to Qualify for Cash Flow Loan?

In order to be eligible to qualify for this type of Real Estate Investor Loan, you must meet this minimum requirements to apply:

  • Must have housing history and own a primary home already
  • 2 years seasoning for Foreclosure, Short Sale, Bankruptcy, or Deed in Lieu of Foreclosure
  • Minimum Credit Score is 640
  • Must Be Purchasing an Eligible Property Type
  • Must Have a 6 Month Reserve on Subject Property
  • Property MUST Meet Debt Service Coverage Ratio (DSCR)
  • Max 80% LTV Minimum 660 Credit Score
  • Max 75% LTV with 640-659 Credit Score

If you want to get into the real estate investing game and hold properties for rental income, this is a great loan product for you. The Cash Flow Loan has nowhere near the restrictions Fannie Mae and Freddie Max have for non-owner occupied mortgage loans for real estate investors.

Investor Cash Flow Loan

What are the Requirements for Closing in the Name of an LLC?

In order to close an Investor Cash Flow Loan in the name of an LLC, you must meet the following guidelines:

  • LLC must have been formed only for the purchase or management of real estate.
  • There can’t be more than 2 members in the LLC
  • Borrowers must personally guarantee the loan

How Do You Apply for an Investor Cash Flow Loan?

If you are interested in getting more information or would like to apply for an Investor Cash Flow Mortgage Loan, You can APPLY ONLINE HERE, or you can call John Thomas at 302-703-0727.

John R. Thomas – NMLS 38783

Certified Mortgage Planner – Primary Residential Mortgage, Inc.

302-703-0727 DE Office / 610-906-3109 PA Office / 410-412-3319 MD Office

248 E Chestnut Hill Rd, Newark, DE 19713


About John Thomas

John Thomas and his team are long-time Delaware natives. They know the local real estate market as well as they know the loan products that help them serve it. Dedicated to helping first-time buyers; the John Thomas Team are experts on first-time buyer loan programs (FHA, VA, USDA) and conduct monthly first-time buyer seminars that have been attended by more than 3000 Delaware buyers.