94 programs · 56 lenders

Analyze the deal. See the profit. Find the financing.

Run a flip, a max offer or a BRRRR in seconds — then screen every fix & flip and DSCR program on state, FICO, LTV and loan size, with the exact guideline language behind each answer.

Analyze my deal Find financing Run Calculator Product guides

56
Lenders tracked: 94
Loan programs: 29
Guideline fields

Analyze the deal

Run the numbers first — profit, cash needed and leverage — then hand the deal straight to the lender matcher.

Purchase price

Rehab budget

ARV

Hold period

Rate

Points

Purchase financed

Rehab financed

Closing costs

Holding / month

Selling costs

Deal results

Estimated profit

$28,875

Cash required

$53,125

ROI

54.4%

Annualized ROI

108.7%

Loan amount

$263,000

Financing cost

$19,725

LTC

92.3%

LTARV

70.1%

Total project cost

$346,125

Selling costs

$30,000

One deal, two screens: run it through the DSCR rental matrix or browse the fix & flip lender directory.

Matching programs

94 shown · 29 meet every checked requirement

Acra

DSCR Program

Strong match

Min FICO: 600
Max LTV: 85%
Max loan: $3M

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 600
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Acra

Platinum Select DSCR Program

Strong match

Min FICO: 700
Max LTV: 80%
Max loan: $2M

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

AHL Funding

5 - 9 Unit

Strong match

Min FICO: 680
Max LTV: —
Max loan: $2.5M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

AmRes Wholesale

Strong match

Min FICO: 620
Max LTV: —
Max loan: —

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Champions Funding

Accelerator DSCR 5-8 Unit

Strong match

Min FICO: 700
Max LTV: —
Max loan: $2M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Defy Mortgage

HELoan\DSCR

Strong match

Min FICO: 660
Max LTV: —
Max loan: $500K

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Emet Mortgage

PRIME DSCR

Strong match

Min FICO: 620
Max LTV: —
Max loan: $3M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Emet Mortgage

OPTIMUS DSCR

Strong match

Min FICO: 660
Max LTV: —
Max loan: $2M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Emet Mortgage

FOREIGN NATIONAL PORTFOLIO

Strong match

Min FICO: 680
Max LTV: —
Max loan: $1.5M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Emet Mortgage

MULTI-FAMILY PRO

Strong match

Min FICO: 700
Max LTV: —
Max loan: $2M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Forward Lending

1-4 Unit

Strong match

Min FICO: 620
Max LTV: 85%
Max loan: $3.5M

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Forward Lending

5-8 Unit

Strong match

Min FICO: 680
Max LTV: 75%
Max loan: $2M

Estimated leverage: 75% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

GreenBox Loans, Inc.

Elite

Strong match

Min FICO: 640
Max LTV: 85%
Max loan: $3.5M

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 640
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

GreenBox Loans, Inc.

Elite Plus

Strong match

Min FICO: 700
Max LTV: 80%
Max loan: $3M

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

GreenBox Loans, Inc.

No Ratio

Strong match

Min FICO: 660
Max LTV: 75%
Max loan: —

Estimated leverage: 75% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Lend Investors Capital

DSCR

Strong match

Min FICO: 680
Max LTV: —
Max loan: $3M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Lend Investors Capital

Foreign National

Strong match

Min FICO: 700
Max LTV: —
Max loan: $2M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Lend Investors Capital

MultiFamily

Strong match

Min FICO: 700
Max LTV: —
Max loan: $3M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

LoanStream Mortgage

1-4 Unit

Strong match

Min FICO: 620
Max LTV: 85%
Max loan: $4M

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

LoanStream Mortgage

5-8 Unit

Strong match

Min FICO: 680
Max LTV: 75%
Max loan: $3M

Estimated leverage: 75% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

MK Lending Corp

DSCR ACE

Strong match

Min FICO: 620
Max LTV: 85%
Max loan: $2.5M

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

MK Lending Corp

DSCR Plus

Strong match

Min FICO: 660
Max LTV: 80%
Max loan: $2M

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

MK Lending Corp

DSCR Multi

Strong match

Min FICO: 700
Max LTV: 75%
Max loan: $2M

Estimated leverage: 75% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Novus Mortgage

CHOICE DSCR

Strong match

Min FICO: 660
Max LTV: 80%
Max loan: —

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Novus Mortgage

Foreign National DSCR

Strong match

Min FICO: —
Max LTV: —
Max loan: $1.5M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: Ask lender
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

STG Mortgage Inc.

CONSTELLATION

Strong match

Min FICO: 680
Max LTV: 80%
Max loan: $2M

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

STG Mortgage Inc.

ECLIPSE

Strong match

Min FICO: 680
Max LTV: —
Max loan: $3M

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

WMB

DSCR 2

Strong match

Min FICO: —
Max LTV: —
Max loan: —

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: Ask lender
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

WMB

DSCR 3

Strong match

Min FICO: —
Max LTV: —
Max loan: —

Estimated leverage: Ask lender
Estimated cash needed: Ask lender
Experience required: Ask lender
Minimum FICO: Ask lender
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

AAA Lending

Possible match

Min FICO: 680
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

ACC Mortgage

Possible match

Min FICO: 640
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 640
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

AD Mortgage

Possible match

Min FICO: 620
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Amwest

Possible match

Min FICO: 620
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: 30 days
Exit strategy: Hold as rental · refinance or sell later

Angel Oak Mortgage Solutions

Possible match

Min FICO: 680
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Arc Home LLC

Edge DSCR

Possible match

Min FICO: 700
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

BluePoint Mortgage

Iron

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Broker First Funding

1 units

Possible match

Min FICO: 640
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 640
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Brokers Advantage

1St Lien

Possible match

Min FICO: 620
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Carrington (CMS)

Possible match

Min FICO: 620
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Champions Funding

ITIN ACCELERATOR

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Change Lending, LLC

Possible match

Min FICO: 660
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Deephaven Mortgage LLC

1-4 units

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Emporium

Elevate

Possible match

Min FICO: 680
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

EPM

DSCR Prime

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

First Colony Wholesale

SHARP ADVANTAGE

Possible match

Min FICO: 680
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Foundation Mortgage Corporation

Possible match

Min FICO: 620
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

FundLoans Capital

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

HomeBridge Wholesale

Possible match

Min FICO: 700
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

HomeXpress Mortgage Corp

Possible match

Min FICO: 620
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Jet Mortgage

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Kind Lending

Possible match

Min FICO: 620
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Loan House

Possible match

Min FICO: 660
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Loan Lock Prime

Series M

Possible match

Min FICO: 640
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 640
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Logan Finance Corporation

Possible match

Min FICO: 660
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Luxury Mortgage

Possible match

Min FICO: 620
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 620
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Nations Direct Mortgage

Possible match

Min FICO: 680
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 680
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

New Wave Lending Group

Possible match

Min FICO: 640
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 640
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Newfi Lending

Possible match

Min FICO: 700
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

NewRez LLC

Possible match

Min FICO: 660
Max LTV: 85%
Max loan: $0K

Estimated leverage: 85% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 660
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

NexBank

Possible match

Min FICO: 700
Max LTV: 80%
Max loan: $0K

Estimated leverage: 80% max LTV (purchase)
Estimated cash needed: ~$149,333
Experience required: Ask lender
Minimum FICO: 700
Estimated closing: Ask lender
Exit strategy: Hold as rental · refinance or sell later

Know the ratio before you shop it

DSCR is gross monthly rent divided by PITIA. Most programs price best at 1.25x and above; below 1.00 you're into no-ratio territory with tighter LTV caps and higher minimum credit scores.

1.25x+ — full leverage, best pricing tiers
1.00–1.24x — standard qualification on most matrices
Below 1.00 — no-ratio programs, typically 65–75% max LTV

DSCR calculator

Rent divided by PITIA.

Gross monthly rent

Principal & interest

Property taxes / mo

Insurance / mo

HOA / mo

PITIA $2,470

1.30

Strong