Specialty Programs
DSCR loans for tough scenarios.
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
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Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Program 1
Easy 50.
The widest underwriting box in DSCR lending. No minimum credit score. No minimum DSCR ratio. If you have 50% equity, you qualify.
| Min credit score | None |
| Min DSCR | None (property does not need to cash flow) |
| Max LTV | 50% (purchase and refinance) |
| Min loan amount | $100,000 |
| Property types | SFR, 2-4 unit, condo, townhouse |
| Vesting | LLC, trust, or personal name |
| Recent bankruptcy | 1 day post-discharge accepted |
| Recent foreclosure | Accepted with documentation |
| Documents | Lease (or market rent), insurance, ID. No tax returns. |
| Rate premium | Higher than standard DSCR — contact for pricing |
Who Easy 50 is for: Investors with significant equity but imperfect credit. Properties with strong appreciation potential but below-breakeven cash flow. Borrowers with recent credit events (bankruptcy, foreclosure, late payments) who can't wait 2-4 years for a standard program.
The trade-off is transparent: 50% LTV means putting 50% down on a purchase. That's a lot of capital — but in return, you get approved where no other DSCR program will touch you.
Program 2
No-Ratio DSCR.
For properties where the rent doesn't quite cover the payment — but the deal still makes sense for appreciation, equity build, or future rent growth.
No-Ratio accepts a DSCR between 0 and 1.0. The trade-off: a 5% reduction in maximum LTV compared to standard DSCR. So instead of 80% LTV purchase, you get 75%. Instead of 75% cash-out, you get 70%.
Common scenarios: new construction rentals where rents are ramping up, vacation markets with seasonal occupancy, recently rehabbed properties with below-market lease-up during stabilization.
Credit Events
Recent bankruptcy, foreclosure, or late payments.
Life happens. Standard DSCR programs require waiting periods after major credit events. Our specialty programs shorten or eliminate those waiting periods.
| Credit event | Standard DSCR | Easy 50 |
|---|---|---|
| Chapter 7 bankruptcy | 2-4 years post-discharge | 1 day post-discharge |
| Chapter 13 bankruptcy | 2 years post-discharge | 1 day post-discharge |
| Foreclosure | 3-7 years | Accepted with documentation |
| Short sale / deed-in-lieu | 2-4 years | Accepted |
| Mortgage lates (30-60 day) | May affect pricing | Not disqualifying |
| Mortgage lates (90+ day) | 12-24 month seasoning | Accepted at 50% LTV |
Questions
Specialty program FAQs
Easy 50 is a DSCR loan program with no minimum credit score and no minimum DSCR ratio. The trade-off: maximum LTV is capped at 50%, meaning you need 50% down on a purchase or 50% equity for a refinance. It’s designed for investors with strong equity positions but challenging credit or properties that don’t cash flow on paper.
Every deal deserves a look
Submit your scenario. We'll find the right program.
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Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.