Qualify without a DSCR ratio hurdle.
DSCR financing usually asks the rent to cover the payment by a set margin. No-ratio programs remove that minimum, so a property whose rent falls short of the payment can still qualify on the strength of the rest of the file.
What this financing is built for.
No minimum coverage ratio
The program is structured so a shortfall between rent and payment is not automatically disqualifying for the file.
Underwritten on the property
Personal employment income is not the center of the review. The property, its income, and the borrower profile carry the file.
Built for rentals and portfolios
Single rental purchases, portfolio additions, and refinances into long-term permanent financing.
Three steps, no mystery.
- Step 01
Send the property and the rent
Purchase or refinance numbers, current or projected rent, and the state the property sits in.
- Step 02
We confirm no-ratio program fit
SageFin Capital and our lending partners check program availability for the state, property type, and borrower profile.
- Step 03
Close into permanent financing
Once funded, the rental holds on a long-term loan instead of short-term capital.
Straight answers.
Let us check the fit for your rental.
Share the property and the rent, and we will confirm what may be available.
Illustrative tools and scenario review only. Not a rate quote, pre-approval, or commitment to lend.
Commercial finance brokerage. Subject to lender approval. Subject to underwriting and program guidelines. Not a commitment to lend.