What's the trade-off for no-ratio DSCR?

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Higher rate (typically 0.5–1% above standard DSCR), lower max LTV (70% vs 75–80%), and higher reserve requirements (12 months PITIA vs 6 months). For appreciation-play coastal California investors whose properties don't cash-flow at current rates, it's often the only path to close.

Investor & Bridge

DSCR

No-Ratio DSCR

DSCR loan with no minimum ratio requirement — higher rate, but closes even when rent doesn't cover PITIA.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (213) 880-8107

680

Min FICO

75%

Max LTV

dscr

Docs

Ideal borrower

Investors in negative-cash-flow markets betting on appreciation.

Program highlights

No minimum DSCR
Useful for high-appreciation markets (coastal CA)
Higher rate vs. standard DSCR

Typical uses

Coastal CA rentals with sub-1.0 DSCR

Frequently asked questions

What's the trade-off for no-ratio DSCR?: Higher rate (typically 0.5–1% above standard DSCR), lower max LTV (70% vs 75–80%), and higher reserve requirements (12 months PITIA vs 6 months). For appreciation-play coastal California investors whose properties don't cash-flow at current rates, it's often the only path to close.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.