Do your lenders require experience?
No. We work with programs for experienced investors and borrowers purchasing their first investment property. Available leverage, pricing, and reserve requirements may vary by experience.
Do you offer fix and flip loans?
Our core expertise is long-term rental financing. When a property needs renovation first, we can also review bridge or fix-and-flip options and help plan a DSCR refinance after stabilization.
What's the main difference between conventional and private lending?
Conventional loans focus heavily on personal income and debt-to-income ratios. DSCR loans are business-purpose mortgage loans that generally qualify primarily through rental income and property cash flow, while credit, reserves, value, and other lender guidelines still apply.
How long are the financing options?
Available structures may include 30- or 40-year terms, fixed or adjustable rates, and interest-only periods. Options depend on the lender, property, transaction type, and borrower profile.
Do your lenders report the loans to the credit bureaus?
Credit reporting varies by lender and program. Many business-purpose DSCR loans may not appear on personal credit reports, but we confirm the reporting treatment for each specific option before you proceed.
Does the property need to be occupied to qualify?
No. Eligible DSCR programs may finance vacant properties using appraiser-supported market rent, projected rent, or another lender-approved method. Occupancy, lease status, and transaction type can affect the available options.
Is there a seasoning period?
Seasoning requirements depend on the lender and loan program. Many DSCR options allow little to no seasoning, and we align each deal with the lender that best fits your timeline and strategy.
What's the minimum required credit score?
Minimum credit score requirements vary by lender and loan program. While many traditional DSCR programs start around 620–660, we also work with specialty lenders that may consider borrowers with scores below 620, very low credit scores, or even no established credit score. Available leverage, pricing, reserves, and other requirements generally become more restrictive as credit weakens, so every scenario must be reviewed individually.
What's the maximum LTV?
FastTrack DSCR can arrange up to 85% LTV for eligible rental-property purchases and rate-and-term refinances, and up to 80% LTV for eligible cash-out refinances. Eligible purchases may require as little as 15% down before closing costs and reserves. Available leverage depends on credit, DSCR, loan amount, property type, state and lender underwriting. Lower limits can apply to specialty scenarios.
Can I close in an LLC or Trust?
Yes. Most DSCR lenders allow properties to be titled in an LLC or trust, provided the ownership structure meets lender guidelines. Personal guarantees are typically required, and we’ll confirm entity eligibility early to ensure a smooth closing.
Do you do portfolio loans?
Yes. Many of our lending partners offer portfolio loan programs designed for investors with multiple properties. These programs allow you to finance multiple assets under a single loan structure, with terms tailored to portfolio size, cash flow, and long-term investment strategy.
How long is the financing process?
Most DSCR loans close within 3–4 weeks, with some transactions completing in as little as 2 weeks. More complex deals—such as portfolio loans, or entity structures—may take up to 45 days to close.