Long-Term Rental Purchase · Multiple Wholesale Options

DSCR Purchase LoanLong-Term Rental.Up to 85% LTV. No Personal Income Docs.

Up to 85% LTV on qualifying purchases with 740+ FICO
Separate small-balance option with loans as low as $50,000
Program 7 can consider low FICO or no FICO with purchases up to 75% LTV and no minimum DSCR ratio requirement
Program 8 can allow a gift of equity up to 30% or seller carryback, subject to its own eligibility rules
No W-2s, pay stubs, or personal tax returns used to qualify DSCR income

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No credit pull for the initial quote · Rates within 24 hours · Typical 28-day close with complete documentation

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Standard Max Purchase LTV85%

FICO for 85%740+

Program 7 Purchase Max75%

Program 7 Min DSCRNone

Program 7 Max Loan$10M

Available Min Loan$50,000

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Loan Programs

LTR Purchase Options

These are separate capital-partner options. The strongest leverage, low-credit, small-balance, low-DSCR, no-minimum-DSCR, and alternative-funds features should not be assumed to combine on one loan.

High-Leverage PurchaseQualifying LTR purchases

740+ FICOUp to 85% LTV

Low DSCR OptionHigher-cost flexibility

Qualifying fileDSCR down to 0.75

A 0.75 DSCR option generally adds about 1.00% to 1.25% to the standard rate.

Program 7Low/no FICO · no minimum DSCR · higher rates

PurchaseUp to 75% LTV

Minimum DSCRNo minimum ratio

Maximum loanUp to $10,000,000

Availability44 states through GBC

Program 7 through Get Brick Capital is unavailable in MN, ND, SD, MT, UT, and VT.

Program 8 · Alternative Purchase Funds

Gift of Equity and Seller Carryback

Gift of equity

Up to 30% is allowed, but the borrower must contribute at least 5% of their own funds to the transaction.

Seller carryback

Seller carryback is allowed on qualifying Program 8 transactions.

These features are specific to Program 8 and remain subject to full program eligibility and underwriting. They should not be assumed to combine with another program's strongest terms.

Separate Small-Balance Option

A separate capital-partner program can handle Section 8 and smaller-balance loans. These minimums should not be read as the terms of the no-seasoning or 80% LTV program.

Minimum property value: $75,000

Available for qualifying purchases and refinances

Minimum loan amount: $50,000

Standard 0.75 DSCR and Program 7 Are Different Options

A standard qualifying low-DSCR option can go down to 0.75 and generally carries a higher-rate tradeoff. Program 7 is separate and has no minimum DSCR ratio requirement, with qualifying purchases up to 75% LTV.

What "No Income Docs" Means

DSCR qualification does not use W-2s, pay stubs, or personal tax returns to calculate income. The most recent two months of bank statements are generally still required to verify closing liquidity, and reserves can also be verified from eligible investment or retirement accounts.

Illustrative Deal Example

LTR Purchase: How 85% LTV Works

Assume you are purchasing a 4-unit rental for $285,000 and the file qualifies for the 85% LTV purchase option with 740+ FICO. Loan amount at 85% LTV: $242,250. Down payment: $42,750 before closing costs and required reserves. The final loan amount still depends on DSCR, property eligibility, credit profile, and the capital partner that fits the file. Program 7 is a separate purchase path with a maximum of up to 75% LTV.

Deal Snapshot

Purchase Price

$285,000

Max LTV (740+ FICO)

85%

Loan at 85%

$242,250

Down Payment

$42,750

Illustrative Example

LTR Purchase FAQ

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Related Loan Programs

No Minimum DSCR