Find Your Dream Investment Option
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
Long-Term Hold | No Income Docs |
Looking to build long-term wealth through rental properties? Our DSCR Loan (Debt Service Coverage Ratio loan) is designed for real estate investors who want simple, asset-based financing with no W2s, no tax returns, and flexible repayment terms—up to 30 years.
✅ Program Highlights:
- Loan Term: 30 Years
- Full Amortization or Interest-Only (first 5–10 years)
- Loan Amount: Minimum $100K (purchase price)
- LTV:
- Up to 80% for turnkey properties
- 75% for cash-out refinance
- 70% for short-term rentals
- Appraisal: Required
- Close with your Title Company: Includes title, appraisal, taxes, and insurance
📌 Requirements:
- Credit Score: 600+
- DSCR Ratio: 0.75 – 1.25+
- (DSCR = Property Income ÷ Loan Payment)
- Investor Experience: All levels welcome
DSCR Loan – 30-Year Term
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
For SFR, 2–4 Units, Condos, PUDs, Manufactured Homes & Portfolios
Flexible Financing with No Income Docs
For real estate investors who want 30-year financing without tax returns, W2s, or pay stubs. It works across multiple property types—including single units, small multifamily, and portfolios.
✅ Program Highlights:
- Loan Term: 30 Years
- Full Amortization or Interest-Only for 5–10 Years
- Loan Amount: Minimum $100K purchase price
- LTV:
- Up to 80% for turnkey properties
- 75% for cash-out refinance
- 70% for short-term rentals
- Appraisal: Required
- Close in Escrow with Your Title Company: Includes title, appraisal, taxes, and insurance
📌 Requirements:
- Credit Score: 680+
- DSCR Ratio: 0.75 – 1.25+
- (DSCR = Gross Rent ÷ Monthly Loan Payment)
- Investor Experience: All levels welcome
2nd Lien DSCR Loan – Nationwide (Except ND, SD, VT)
DSCR Loan – 30-Year Term | Flexible Rental Property Financing
2nd Lien DSCR Loan – Nationwide (Except ND, SD, VT)
30-Year Fixed | Up to 85% CLTV | Perfect for Layered Financing
Need additional capital but don’t want to refinance your first mortgage? Harvest REI’s 2nd Lien DSCR Loan lets you access equity through a second-position loan—no personal income verification required. Great for cash-out, expansions, or property improvements.
✅ Program Highlights:
- Loan Term: 30-Year Fixed Rate
- No balloon payment
- Loan Amount: Minimum $75K (property must appraise at $100K+)
- LTV: Based on Credit Score
- 680+: Up to 65% LTV
- 700–720: Up to 70–75% LTV
- 740+: Up to 80% LTV
- 760+: Up to 85% LTV
- Appraisal: Required
- Close in Escrow with Your Title Company: Includes title, appraisal, taxes, and insurance
- Interest Rates: 8.625% – 11% APR
📌 Requirements:
- Credit Score: 680+
- DSCR Ratio: 1.1
- Investor Experience: Not required (zero experience OK)
Cash Out Options
Cash-Out Refinance - Zero Points
Cash-Out Refinance – No Seasoning & Low FICO
Cash-Out Refinance – No Seasoning & Low FICO
Pull Equity Without Selling | Flexible DSCR | No Lender Fees
Looking to leverage the equity in your investment property? This option gives you access to capital at competitive rates, with no lender points and flexible qualification standards. Perfect for reinvesting, expanding your portfolio, or covering other financial needs.
✅ Program Highlights:
- Loan Amounts: Starting at $100K
- LTV: 70%–80% of appraised value
- Interest Rate: 7%–8% APR
- Monthly Payments: Interest-only options available
- No Lender Points
- Interest Reserves: 3–6 months may be required
- Appraisal: Required
- Close with your Title Company
📌 Requirements:
- Credit Score: 680+
- Hard Pull
- Soft Pull
- DSCR Ratio: 1.1 – 1.2 minimum
- Investor Experience: All levels welcome
- Closing Costs: Includes appraisal, title, insurance, and escrow fees
Cash-Out Refinance – No Seasoning & Low FICO
Cash-Out Refinance – No Seasoning & Low FICO
Cash-Out Refinance – No Seasoning & Low FICO
Fast Refinance | Credit-Friendly | No Waiting Period
Need to pull cash out of a property you just acquired—or don’t have perfect credit? Our No Seasoning & Low FICO Cash-Out Refinance option is designed to help investors access equity quickly with flexible credit requirements and no holding period after purchase.
✅ Program Highlights:
- Loan Amounts: Starting at $100K
- LTV: 70%–80% of appraised value
- Monthly Payment: Interest-Only Payment Options Available
- No Seasoning Required (Refinance right after purchase or rehab)
- Appraisal: Required
- Close in Escrow with Your Title Company
📌 Requirements:
- Credit Score: 620+
- DSCR Ratio: No minimum required
- Investor Experience: All levels welcome
- Closing Costs: Includes appraisal, title, taxes, and insurance
Cash-Out Refinance – Rural Properties
Cash-Out Refinance – Zero Lender Points
Cash-Out Refinance – Zero Lender Points
No Credit Requirements | No DSCR Minimum | Rural Market Friendly
Investing in rural properties and need to pull out equity? This option is designed specifically for investors targeting less-populated areas. With no FICO or DSCR requirements, this option provides flexibility where traditional lenders often say no.
✅ Program Highlights:
- No FICO Score Required
- No DSCR Minimum
- Loan Amount: Minimum $100K
- LTV: Up to 50% of appraised value
- Monthly Payments: 1.2% – 1.5% (interest-only)
- Appraisal: Required
- Close in Escrow with Your Title Company
📌 Requirements:
- Credit Score: Not required
- DSCR Ratio: Not required
- Investor Experience: All levels welcome
- Closing Costs: Includes title, appraisal, taxes, and insurance
Cash-Out Refinance – Zero Lender Points
Cash-Out Refinance – Zero Lender Points
Cash-Out Refinance – Zero Lender Points
Nationwide Access (Except ND, SD, VT) | Up to 75% LTV | No Lender Fees
Looking to pull equity from your investment property without losing profit to lender fees? The Cash-Out Refinance – Zero Points program gives investors a cost-effective solution to access capital, with no lender origination points, flexible credit tiers, and no investor experience required.
✅ Program Highlights:
- Loan Amounts: Starting at $75K (property must appraise for $100K or more)
- LTV: Up to 75% of appraised value
- Interest Rates: 6.87% – 9.5% APR
- No Lender Points
- Appraisal: Required
- Close in Escrow with Your Title Company
📌 Requirements:
- Credit Score:
- 660+ = Up to 70% LTV
- 700+ = Up to 75% LTV
- DSCR Ratio: 1.0 minimum
- Investor Experience: None required
- Closing Costs: Includes appraisal, title, taxes, and insurance
STR & Airbnb
Purchase & Refinance – STR & Airbnb
Short-Term Rental Financing Using Market Data | No Rental History Required
Looking to purchase or refinance a vacation rental, Airbnb, or short-term rental (STR)? Our STR-focused loan product allows you to qualify using projected income, based on AirDNA data, not outdated rental comps or 12-month leases.
✅ Program Highlights:
- Loan Use: Purchase or Refinance
- Loan Amount: Minimum $100K
- LTV:
- 80% for Purchase
- 75% for Refinance
- Interest Rate: 7%–9% APR
- Appraisal Required
- Interest Reserves: 6 Months of PITIA (Principal, Interest, Taxes, Insurance, and HOA if applicable)
- Close in Escrow with Your Title Company
📌 Requirements:
- Credit Score: 680+
- DSCR Ratio: 1.00 minimum (based on projected STR income)
- Investor Experience: Not required – all levels welcome
- Rental Income History: Not required (12-month history not needed)
- Rental Projections: Based on AirDNA revenue data
Ready to Grow with a Smarter Strategy?
At HARVEST REI, we’re here to help you navigate financing that fits your investment goals. Whether you’re a first-time buyer or scaling to 10+ doors, a DSCR loan might be the key to unlocking your next deal.