What is a DSCR loan?
A DSCR loan is investment property financing that qualifies on the property's rent compared with its monthly payment, instead of your personal income.
Do I need tax returns or pay stubs?
Usually not. DSCR programs focus on the property's rent, your credit, your down payment and your reserves.
Can I close in my LLC?
Many DSCR programs allow you to close in the name of an LLC or other entity, usually with a personal guarantee.
What if the rent doesn't cover the payment?
Some programs still work below a 1.0 ratio, usually with a larger down payment. A longer term or interest-only period can also help.
Is Noir Capital Group a lender?
No. Noir structures the deal and coordinates it. Lending, loan origination and mortgage brokerage are handled by appropriately licensed professionals and partner lenders.
What happens after I put a deal on the desk?
We review the property, your goal and your numbers, then come back with the capital paths that fit and what each one needs.
Does it cost anything to submit a deal?
No. Submitting a deal is free and doesn't obligate you to anything.
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No obligation. Tell us about the property and what you need. It takes about two minutes.
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