Lets Build Your Wealth!
Looking to diversify your real estate portfolio? Cash flow is king in the world of real estate investment.
Whether you're a seasoned investor or just getting started, we have the perfect solution to help you leverage your investment opportunities.
We're focused on you and your property's potential. Our team is thorough, analyzing every detail to ensure your investment aligns with your financial goals. And we're charming, making the loan application process as smooth as possible so you can focus on what you do best—investing in real estate.
Between DSCR (Debt Service Coverage Ratio) and Speciality lending options, we work with investors who don't meet traditional lending mold, helping you maximize cash flow and build your investment portfolio.
Specialty Lending vs. DSCR for Investors – A Side-by-Side Comparison
| Features | Speciality Lending for Investors | DSCR Loan for Investors |
|---|---|---|
| Qualification Criteria | Based on alternative documentation (e.g., bank statements, asset depletion, etc.) | Based on the property's income relative to its debt obligations |
| Purpose | Suitable for investors who don’t fit the traditional lending mold. | Specifically designed for real estate investors evaluating property cash flow |
| Credit Score Requirements | Generally more flexible; accepts lower credit scores | Typically requires a moderate to good credit score |
| Loan-to-Value (LTV) Ratio | Can be higher, often up to 80-90% | Generally lower, often up to 75-80% |
| Property Types | Can finance various property types, including single-family homes, condos, and multi-family units | Primarily focused on income-generating properties |
| Repayment Terms | Flexible terms, can include interest-only options | Typically fixed-rate terms focused on cash flow stability |
| Usage | Can be used for purchase, refinance, or cash-out purposes | Typically used for purchase or refinance of income- generating properties |
Contact Cazle today to learn how our programs can help you.
7 Reasons Real Estate Investing is a Safer Bet
For most investors, having a diverse portfolio is crucial for mitigating risk and ensuring long-term growth. In recent years, investments in real estate have yielded significant returns, providing both stability and profitability.
Here's why real estate is a must for your investment portfolio:
- Real estate is a tangible asset with intrinsic value.
- Properties typically appreciate over time, providing capital gains.
- Rental properties generate steady passive income.
- Enjoy tax benefits like deductions on mortgage interest and depreciation.
- Real estate serves as a hedge against inflation.
- Leverage opportunities amplify returns with less initial capital.
- Diversifying with real estate reduces risk compared to stocks and bonds.
How much can you borrow?
Let's Math It Out!
Contact Cazle today to learn how our programs can help you.
Frequently Asked Questions
- Alternative Documentation: Instead of tax returns, we consider bank statements, assets, and other financial indicators to assess your eligibility.
- Cash Flow Focus: For investment properties, we evaluate the property’s cash flow potential, ensuring it supports the loan.
It’s Better with Cazle!
Read our reviews
I had a fantastic experience with Cazle Mortgage! Their knowledgeable team provided exceptional service, guiding me through the process with ease.
Wow!!! What a great experience! I've purchased my home last year during the very beginning of pandemic and had to "bite a bullet" at the time of closing because my FHA mortgage rate jumped overnight.
I had a very difficult mortgage situation where I attempted to refinance through 10 different banks, and Cazle Mortgage was the only one who was able to resolve my issue.
I have financed many home loans and I can honestly say Gordon and Cazle Mortgage was my best experience. Most companies have you doing most of the legwork, but Gordon made it easy.
How can we help?
Need help, have questions or want to speak to an expert? Send us a message.