Elevate Your Investment Portfolio with Our Specialized Loan Programs
Welcome to Luminate Home Loans Colorado, where we understand the unique needs of real estate investors. Our Investor/DSCR (Debt Service Coverage Ratio) Loan program is specifically tailored for non-owner-occupied properties, offering flexible and efficient financing solutions to help you grow your investment.
Understanding Investor/DSCR Loans
Investor/DSCR loans are a type of loan tailored for real estate investors focusing on non-owner-occupied properties. Unlike traditional mortgages, these loans evaluate the property’s income-generating potential rather than the borrower's personal income. This approach is ideal for investors who may not meet the typical income verification requirements but possess profitable investment properties.
Key Advantages
- Focus on Cash Flow: These loans assess the property's cash flow, not your personal income, to determine loan eligibility.
- Simplified Qualification:
With less emphasis on personal financial records, qualification for investors becomes more straightforward.
READY TO GET STARTED OR HAVE QUESTIONS?
Contact us to explore how our Investor/DSCR Loan program can align with your goals and propel your real estate investment journey!
Enhanced Key Features of Our Investor/DSCR Loans
Higher Loan Limits
Access up to $2 million in financing to support significant investment opportunities.
Exclusively for Investment Properties
Tailored for non-owner-occupied properties, ensuring you get a financial product that meets your investment needs.
No Reserves for Lower LTVs
Enjoy the benefit of no reserve requirements for loans with a Loan-to-Value ratio below 75%, enhancing your liquidity.
Accurate Rent Assessment
We use a detailed rent estimate reconciliation based on Form 1007 or your lease agreement for a fair assessment of the property’s income potential.
Skip Traditional Income Verification
Avoid the hassle of traditional income or job verification for a smoother, quicker loan process.
Flexible Mortgage Options
Choose from our Adjustable-Rate Mortgages (ARMs) with 5-year or 7-year terms or opt for the stability of a 30-year Fixed Rate Mortgage, depending on your investment strategy.
Your dream home is within reach.
Don't let federal mortgage limits stand in your way. Contact the Westminster, Colorado Team at Luminate Home Loans today, and let us help you unlock the doors to your dream home with our Jumbo Loan program. We're here to turn your homeownership dreams into a reality.
Let’s Talk
Ready to embark on your path to homeownership with the Luminate Home Loans Westminster, Colorado Team? Let's get started! Contact us today and discover a world of possibilities for your new home.
