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Office
14 53rd St, 408N, Brooklyn, NY 11232
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Frequently Asked Questions
Most lenders require a minimum DSCR of 1.0x (break-even cash flow). Some DSCR loan programs offer low-DSCR or no-DSCR options, with minimums as low as 0.75x, but these typically require a higher credit score and/or a larger down payment. OLV Capital offers DSCR loans down to 0.75x
Yes. Many DSCR lenders allow (and often prefer) closing in an LLC, corporation, or trust to help keep the mortgage off your personal credit report.
Qualifying rental income is typically calculated using the lower of the signed lease amount or the appraiser’s market rent (reported on Form 1007 for single-family or Form 1025 for 2–4 unit properties. If you provide two months of verified rent payments, we can often use the actual rent, even when it’s higher than Fair Market Rent (FMR).
The maximum purchase loan-to-value (LTV) is typically 80% (20% down). For borrowers with lower credit scores or specialized property types, the max LTV may be 70%–75%. OLV Capital may offer up to 85% LTV on purchases in select scenarios, based on credit and DSCR.
No. OLV Capital doesn’t qualify loans using short-term rental income such as Airbnb or VRBO.
Unlike conventional loans (limited to 10), most DSCR programs have no limit on the number of properties an investor can own or finance simultaneously.
Yes, most DSCR loans have a 1–5 year prepayment penalty. OLV Capital offers options from no PPP to 5 years, and the penalty can often be “bought down” or waived for a slightly higher interest rate.
Most wholesale lenders require a minimum FICO of 620–660. At OLV Capital, the minimum credit score is typically 660 FICO.
Yes. Many DSCR lenders can calculate qualifying income using the Interest-Only (IO) payment instead of full principal and interest, which can make it easier for the property to meet DSCR requirements.
Not always. Many DSCR loan programs allow vacant property financing if the appraisal includes a market rent analysis (Form 1007) showing the projected rent can support the payment. OLV Capital does not require a lease for purchases, and refinances on vacant properties may be approved case-by-case.