Our DSCR Loan Program Offers Competitive Rates and Flexible Terms!
Whether you’re looking for tailored loan programs, higher leverage, or additional educational resources, my goal is to understand your unique needs and provide the support necessary to help you succeed. Let’s work together to achieve your next big milestone for your portfolio!
KEY POINTS ON OUR DSCR LOAN PROGRAM
APPROVAL: Based on the property cash flow, instead of your personal income.
NO ORIGINATION POINTS: Loan options without any origination points.
UNOCCUPIED REFINANCE ALLOWED: No Tenant, No Problem.
SHORT TERM RENTALS: We can use the short-term rental market rates instead of traditional market rates.
No DSCR MINIMUM: No DSCR Minimum. ( The lower the DSCR the higher the rate )
NO MINIMUM CREDIT REQUIREMENT: No Minimum Fico ( The lower the fico the higher the rate )
FOREIGN NATIONALS: Foreign nationals are welcome. We will require an LTV haircut and more reserves.
INTEREST ONLY OPTION: Maximize cash flow today. Enjoy 10 years interest only, remaining 20 years amortized at the same rate. No rate surprises! Unlike an ARM, where your rate can potentially increase after the I/O period.
COMPETITIVE RATES: Starting at 6.1%.
NON-WARRANTABLE CONDOS: Allowed, at max 75% LTV
RURAL PROPERTIES: Are okay, max 75% LTV
Some Key Things in Regards Our Company
100% Financing for Experienced Investors: We offer up to 100% financing for experienced investors in select markets. ( Bridge only )
Who We Are: Tidal Loans is your direct lending partner, built and backed by real estate investors.
STR Financing: Dive into the world of short-term rentals (Airbnb/VRBO) leveraging short-term rental income.
BRRR Strategy Simplified: Streamline your BRRR projects with Tidal Loans – we kickstart the refinance approval while your property undergoes transformation.
Quick Pre-Approvals: We issue term sheets in 24 hours after submission.
No Appraisals Needed: We have loan options (bridge loans) where you can opt out of a full appraisal.
Secure Portal Access: All clients will receive a secure portal to upload documents and request draws.