Non-QM
Cross-Collateral DSCR
Unlock the potential of your real estate investments with CMRE's Cross-Collateral DSCR loan program. This innovative Non-QM option allows you to leverage multiple properties to qualify, even with a Debt Service Coverage Ratio (DSCR) focus, and potentially secure financing starting at a competitive rate of 7.5%. Maximize your borrowing power and expand your portfolio with our flexible and efficient lending solutions.
Program Benefits
Leverage multiple properties for qualification, enhancing your borrowing capacity.
Ideal for real estate investors seeking to expand their portfolios.
DSCR-focused underwriting allows for qualification based on property cash flow, not just personal income.
Competitive rates starting at 7.5% for qualified borrowers.
Streamlined application process for a faster and more efficient closing.
Flexible loan terms tailored to your specific investment goals.
Program Highlights
Max LTV
80%
Min Credit Score
660
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Single Family
- Multi-Family (1-4 Units)
- Condo
- Townhouse
Program Requirements
Income Documentation
- •Personal or business income documentation may be required in some cases.
- •Emphasis is placed on the property's ability to generate sufficient cash flow.
- •Self-employed borrowers are welcome.
Asset Verification
- •Sufficient assets to cover down payment, closing costs, and reserves.
- •Acceptable asset types include checking, savings, and investment accounts.
- •Verification of funds will be required.
Insurance & Title
- •Hazard insurance coverage on all properties.
- •Flood insurance may be required depending on location.
- •Proof of insurance must be provided.
Property Requirements
- •Minimum FICO score of 660 required.
- •Review of credit history to assess risk.
- •Consideration of overall credit profile.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A Cross-Collateral DSCR loan is a financing option where multiple properties are used as collateral for a single loan, and the loan qualification is primarily based on the Debt Service Coverage Ratio (DSCR) of the properties.
The minimum FICO score required for CMRE's Cross-Collateral DSCR loan is 660.
The maximum Loan-to-Value (LTV) for our Cross-Collateral DSCR loan is 80%.
A higher DSCR indicates a stronger ability to repay the loan, increasing your chances of approval. CMRE's program focuses on DSCR, allowing you to qualify even if your personal income is not the primary factor.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
