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Investor Cash Flow Home Loan

At Luxury Mortgage we are thrilled to offer a powerful financing tool for real estate investors. The Investor Cash Flow Mortgage allows cash flow on the subject property to be used to qualify for the new loan. No tax returns or employment information required. There is no limit to the number of financed. This innovative program can be used effectively to build a portfolio of income generating properties.

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  • Call us toll-free at (888) 249-0004
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  • Ask Us a Question

Investor Cash Flow Overview


A few reasons investors love this product:
  • Borrow up to 80% of the property value
  • Credit scores down to 580
  • No employment or income documentation required
  • Loan amounts up to $4,000,000
  • Competitive pricing
Investor Cash Flow Mortgage Requirements

Rather than being based on income and employment documentation, with this unique program qualification is based on what the cash flow from the property will be once it's rented.

The debt service coverage ratio (DSCR) of the subject property is used to calculate the funds that can be used to qualify as follows:

  • DSCR is defined as gross rents divided by qualifying PITIA. 100% of the rents can be used.
  • DSCR must be greater than or equal to 1. (The gross rent must be greater than the mortgage payment including principal, interest, taxes, insurance, and any property association fees.)
  • For a purchase transaction the amount used for rent will be the lesser of market rental price (per an appraisal) or current rental price if there is an existing lease in place.
  • For a refinance the amount will be the lesser of market rental price (per an appraisal) or current rental price. Leases for the previous 12 months must be provided.
What types of properties may be eligible?

The Investor Cash Flow home loan can be used to finance a variety of different types of homes, including 1 – 4 unit properties, Mixed-Use, PUDs, warrantable condos, and even non-warrantable condos on a case by case basis.