Unlock the Power of Real Estate Investment with DSCR Loans
Flexible Financing Solutions for Primary Residences, Investments, and Second Homes
DSCR Loans Can Provide Flexibility & Peace of Mind
Introduction to our DSCR Loans Program ...
At West Capital Lending, we offer tailored DSCR (Debt Service Coverage Ratio) loans designed to meet the diverse needs of real estate investors and homeowners. Whether you're purchasing a new property, refinancing, or taking out cash, our DSCR loan program provides the flexibility and support you need to achieve your financial goals. Led by Zahami Gracia, our team is dedicated to providing customized solutions with competitive rates and flexible terms.
Why Choose Our Fast DSCR Loans Program?
- High Loan-to-Value: Up to 90% LTV (Loan-to-Value) for qualified borrowers.
- Flexible Loan Amounts: Loans from $125K to $3.5M.
- Competitive Rates: Enjoy competitive interest rates tailored to your needs.
- Flexible Terms: Available for purchase, rate & term refinance, and cash-out refinance.
- Multiple Occupancy Options: Suitable for primary residences, investment properties, and second homes.
- Easy Asset Verification: 30-day asset verification process..
- Gift Funds Allowed: Gift funds accepted after a 5% borrower contribution for primary homes and 10% for investment properties.
Key Requirements for Our Fast DSCR Loans Program?
- FICO Score: Minimum credit score required.
- Experience: Number of flips completed in the past 36 months.
- Purchase Price or Value: The price at which you’re purchasing the property.
- Rehab Budget: Estimated cost of renovations.
- ARV (After Repair Value): Expected market value after renovations.
- Liquidity: We lend 7x your liquid assets.
what our clients have to say
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Apply Online
Fill out our simple online application form.
Get a Term Sheet
Receive approval within 24 hours.
Quick Approval
Receive approval within 24 hours.
Get Funded
Get the funds you need within 5-7 days.
Ready to unlock the power of real estate investment? Apply now and secure the financing you need with our flexible DSCR loan program.
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Get In Touch With gracia team
Contact Information:
- Phone: 949-774-2204 or 714-876-4929
- Email: zgracia@westcapitallending.com
- Office Address: The Gracia Team, 34 Executive Park, Irvine, California 92614, United States
Business Hours:
- Monday to Friday: 8:00 AM - 5:00 PM
- Saturday: By appointment
- Sunday: Closed
Frequently Asked Questions (faq)
A DSCR (Debt Service Coverage Ratio) loan is a type of financing used primarily by real estate investors to purchase, refinance, or cash out properties based on the income generated by the property.
Key requirements include a minimum FICO score of 640, a maximum DTI ratio of 50%, and a 30-day asset verification process.
Yes, our DSCR loans are suitable for primary residences, investment properties, and second homes.
Our streamlined process ensures quick approval and funding to help you secure your property without delay.
Yes, gift funds are allowed after a 5% borrower contribution for primary homes and 10% for investment properties.
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