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Direct to Investor Lending
DSCR LOAN
Airbnb, VRBO or Condotel
The Smart Way to Finance Your Short-Term Rentals
Purchase • Refinance • Cash-Out
Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income. High LTV and Interest-Only Options. Long-Term Fixed or ARM Rates. Fast Closing and Flexible Underwriting. Apply Now and Get a Quote Today!
No appointments necessary
Mortgage Bankers hours 8am-6pm PST
Contact A Mortgage Banker Today
Quick Response Form
No cost. No obligation.
Powered by
Direct to Investor Lending
DSCR LOAN
Airbnb, VRBO or Condotel
The Smart Way
to Finance Your Short-Term Rentals
Purchase. Refinance. Cash‑Out.
Finance Your Short-Term Rental Property with DSCR Lending. No Income Verification, No Tax Returns. Qualification based on Property Income, Not Your Income. High LTV and Interest-Only Options. Long-Term Fixed or ARM Rates. Fast Closing and Flexible Underwriting. Call Now and Get a Quote Today!
No appointments necessary
Mortgage Bankers hours 8am-6pm PST
OptionWide® Financial Corp offers residential 1-8 units rental property mortgages in the following states: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Nebraska, New Hampshire, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
OptionWide® Financial Corp offers residential 1-8 units rental property mortgages in the following states: OptionWide® Financial Corp offers residential 1-8 units rental property mortgages in the following states: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Nebraska, New Hampshire, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Got 80 seconds? Watch our DSCR video!
Got 80 seconds?
Watch our DSCR video!
No Income Verification Required
DSCR Lending
for Short-Term Rentals
Finance Your Airbnb, VRBO, Condotel Portfolio
with DSCR Mortgage
Are you looking for a smart way to finance your real estate portfolio of short-term rentals such as Airbnb, VRBO or Condotel? We specialize in DSCR financing, a type of financing that is based on the property’s income rather than the borrower’s income.
The OptionWide® Financial DSCR loan is a type of Non-QM (non-qualified mortgage) financing that is designed for short-term rental investors who want to purchase, refinance, or cash-out loan that does not require income verification or tax returns from the borrower. The main qualification criterion is the property’s income potential and cash flow.
Main Benefits: DSCR lending offers many benefits, such as no limit on number of properties financed, flexible underwriting, fast approval, fast closing, competitive rates and terms, and high LTV ratios. DSCR financing is ideal for self-employed business owners or investors who have many tax write-offs and minimal net income shown on their tax returns.
Contact us today and let us help you achieve your real estate goals.
DSCR 40-Year IO Mortgage for an Airbnb Retreat or
30-Year Fixed Rate Non-QM Mortgage Rental SFRs
REFI. INVEST. GROW.
1-8 Units
Airbnb, VRBO or Condotel Financing
DSCR LOAN FEATURES
As a DIRECT DSCR MORTGAGE LENDER we make all credit decisions and exceptions in house:
- Direct to investor lending:
– Flexibility with in-house underwriting
– Better deals without intermediaries
– Faster pre-approvals
– Faster processing, quick funding - No-limits on number of financed properties
- No balloon payments
- Low reserve requirement
- Interest-Only (IO) option – available
- Keep property under LLC – allowed
- Non-occupant co-borrower – allowed
- Foreign national borrower – allowed
- First-time investor – allowed
- Self-employed investors are welcome
- Fast efficient closings of 1031 exchange
- Excellent loan product for long term investors
- Not a HARD MONEY Loan!
Get a FREE
Formal Lender Pre-Approval Letter
No appointments necessary
Mortgage Bankers hours 8am-6pm PDT
BEYOND THE NUMBERS
- Borrow from $150,000 to $3,500,000
- Purchase, Refinance and Cash-out loans
- Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
- Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
- Interest rate buy-down option available
- Cash-out up to $1,000,000
- DSCR as low as .75 (Negative cash flow – OK)
- Refinance up to 75% LTV (for SFR) Lower rates with smaller LTV
- Purchase up to 80% LTV (for SFR) Lower rates with smaller LTV
- No Prepayment Penalty after 36mo (Ask for shorter prepayment period)
DSCR LOAN QUALIFICATION
- Qualify on property’s rental income
- No personal income verification
- No tax returns or financials needed
- No Dept-to-Income (DTI) Ratio
- No Limit on financed properties
- No lease is needed (Market rent can come from appraisal)
- Use IO feature to calculate DSCR of Fixed or ARM loan
- Gifts are allowed for Down Payment (subject to terms)
- Minimum credit score 640 (Get better rate with higher FICO)
- Low reserve requirement
- No recent foreclosure or bankruptcy
- Close mortgage in 14 days (after appraisal)
ELIGIBLE PROPERTY TYPES
- Single family rental houses (SFRs)
- 2-8 units multi-family properties (duplex, triplex, 4-plex, … 8-plex)
- Planned Unit Development (PUD)
- Warrantable Condos
- Non Warrantable Condos
- Modular Homes
- Townhomes
- Airbnb, VRBO, Condotel
- 1031 exchange eligible
Get a FREE
Formal Lender Pre-Approval Letter
DSCR LOAN FEATURES
As a DIRECT DSCR MORTGAGE LENDER we make all credit decisions and exceptions in house:
- Direct to investor lending:
– Flexibility with in-house underwriting
– Better deals without intermediaries
– Faster pre-approvals
– Faster processing, quick funding - No-limits on number of financed properties
- No balloon payments
- Low reserve requirement
- Interest-Only (IO) option – available
- Keep property under LLC – allowed
- Non-occupant co-borrower – allowed
- Foreign national borrower – allowed
- First-time investor – allowed
- Self-employed investors are welcome
- Fast efficient closings of 1031 exchange
- Excellent loan product for long term investors
- Not a HARD MONEY Loan!
Formal Lender Pre-Approval Letter
No appointments necessary
Mortgage Bankers hours 8am-6pm PDT
BEYOND THE NUMBERS
- Borrow from $150,000 to $3,500,000
- Purchase, Refinance and Cash-out loans
- Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
- Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
- Interest rate buy-down option available
- Cash-out up to $1,000,000
- DSCR as low as .75 (Negative cash flow – OK)
- Refinance up to 75% LTV (for SFR) Lower rates with smaller LTV
- Purchase up to 80% LTV (for SFR) Lower rates with smaller LTV
- No Prepayment Penalty after 36mo (Ask for shorter prepayment period)
DSCR LOAN QUALIFICATION
- Qualify on property’s rental income
- No personal income verification
- No tax returns or financials needed
- No Dept-to-Income (DTI) Ratio
- No Limit on financed properties
- No lease is needed (Market rent can come from appraisal)
- Use IO feature to calculate DSCR of Fixed or ARM loan
- Gifts are allowed for Down Payment (subject to terms)
- Minimum credit score 640 (Get better rate with higher FICO)
- Low reserve requirement
- No recent foreclosure or bankruptcy
- Close mortgage in 14 days (after appraisal)
ELIGIBLE PROPERTY TYPES
- Single family rental houses (SFRs)
- 2-8 units multi-family properties (duplex, triplex, 4-plex, … 8-plex)
- Planned Unit Development (PUD)
- Warrantable Condos
- Non Warrantable Condos
- Modular Homes
- Townhomes
- Airbnb, VRBO, Condotel
- 1031 exchange eligible
Get a FREE
Formal Lender Pre-Approval Letter
30yr fixed rate Non-QM mortgage rental SFRs
DSCR 40yr IO mortgage for an Airbnb retreat
CASH-OUT REFINANCE
Turn Rental Property Equity Into Cash
Multiply Your Assets with DSCR Loans
Increase your buying power and get quick access to capital. Take advantage of passive income as well as existing equity in a rental property to create the potential for large long-term payout.
Using cash-out refinance, you can pull-out up to $1 million in equity out of each existing rental property. Utilize our DSCR Investor Cash Flow Loans and take advantage of fast funding services for mortgage cash-out refinance, the hybrid of current market fixed or variable rates, and flexible terms, to seize new investment opportunities.
Use our simple loan application process to accelerate the growth of your real estate investment portfolio.
No appointments necessary
Mortgage Bankers hours 9am-6pm PST
Airbnb, Condotel
or Modular Home
DSCR Mortgages
The Key to Unlocking Your Investment Potential
We offer competitive interest rates, flexible terms, and the ability to hold your property title in LLC.
We understand that every Airbnb or Condotel or Modular Home investor is different, which is why we offer a variety of mortgage options to choose from. We can help you find the mortgage that best suits your needs and budget.
Contact us today to learn more about our DSCR mortgages and how we can help you finance your investment property.
Our DSCR Loan Program is a superior alternative to Hard Money Loans, which can suffer from a painfully slow approval process. Many lenders, among other things, are also interested in your personal debt-to-income ratio.
Hard Money loans also have balloon payments and are more expensive. Expect to pay double-digit interest rates and several point origination fees.
Take advantage of our quick funding long-term DSCR financing instead of a Jumbo conventional mortgage, which often requires a higher credit score, as well as personal income and employment documentation.
Self-employed Investor DSCR 30-Year Loan for Rental Duplexes
OptionWide® 4-plex Fixed or Variable Rate DSCR Mortgages
Non-QM Mortgage for Multifamily Rental 5 Units Property
DSCR 30-Year Loan for 8 Unit Multi-plex Built in a Single Dwelling
Non-QM Mortgage for multifamily rental 5 units property
DSCR 30yr loan for 8 unit multi-plex built in a single dwelling
Loans That Empower
Over 115,000 Investors
Direct Lender Advantage
Direct To Investor Lending – No Intermediaries
As a direct lender, OptionWide® Financial makes all credit decisions and exceptions in-house, providing flexible qualification and faster funding.
OptionWide® provides mortgage financing in 32 states. With us, you’ll be able to get more money at the best available interest rate and loan terms.
With fully automated systems and highly qualified mortgage bankers eager to assist with the application process, you can expect lower costs, less frustration, and faster funding!
Request a FREE formal pre-approval letter to give you an advantage when looking to purchase your next investment property.
CORPORATE HEADQUARTERS
7525 Irvine Center Drive #100
Irvine, CA 92618
Friday: 9am - 6pm PST
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FREE Formal Pre-Approval Letter
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through the final application step
Fill out this form and our Loan Banker will guide you through the final application step
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FREE Formal Pre-Approval Letter
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