DSCR – Debt Service Coverage Ratio Loan Program:

CALIFORNIA ONLY! The DSCR is a simple, innovative, business purpose loan for non-owner occupied, 1-4 unit residential properties. The program features as little as 0 months reserves, FICOs as low as 620 and no seasoning on cash-outs or Rate/Terms. Also, max LTVs all the way up to 80%!

Lending Criteria & Guidelines:

  • Loan Amounts: $70,000-$3,500,000
  • Property Type: Residential
  • Loan Type: Purchase, Rate/Term or Cash-out
  • Loan-to-Value: Up to 80% LTV on Purchase and R/T; Up to 75% LTV on Cash-Out
  • Terms: 30 Year Amortization – 7/6 ARM, 10/6 ARM and 30 Year Fixed
  • Underwriting: No Income Verification, No Employment Verification and No DTI Ratios
  • Interest Rates: Starting at 4.875%
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $1,995
  • Good to Know: Great for Quick Close, Cash-out, and Refis!
  • Guaranteed Interest: 3 to 6 months
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 3-7 Day Funding
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – sandy@mortgagevintage.com