Flexible Lending, Faster Approvals, and a Hassle-Free Process
Lockgate Capital’s DSCR loans provide a financing option based on cash flow, making it ideal for experienced investors with completed properties. With our streamlined process, you get fast funding and reliable terms to support your investment goals without the stress of complex approvals.
DSCR loans offer competitive rates and flexible terms tailored to real estate investors seeking a quick, dependable capital solution.
At least 1+ completed properties
Minimum of 660
1-3 months of reserves, with an 80% advance rate and 20% down
SFR, Condo, Townhome, or 2-4 unit residential properties
Non-owner-occupied properties, vacant properties acceptable, 90-day seasoning, minimum 0.8 DSCR, delayed purchase transactions available, blanket loan option
| Attribute | Details |
|---|---|
| Product Type | DSCR Loan |
| Experience Required | 1+ Completed Properties |
| Minimum Credit Score | 660 |
| Liquidity / Reserves | 80% Advance Rate, 20% Down, 1-3 Months Reserves |
| Points | 0 to 2% |
| Prepayment Penalty | Option Available |
| Closing Timeline | 10 to 14 Days |
| Draw Schedule | N/A |
| Rate | 5.99% |
| Loan-to-Value (LTV) | 80% |
| Loan Term | 30, 40 Years or 12 Months Interest Only |
| Asset Types | SFR, Condo, Townhome, 2-4 Units |
| Minimum Loan Amount | $75,000 |
| Maximum Loan Amount | $2,000,000 |
| Product Specifics | Non-Owner Occupied, 90 Days Seasoning, 0.8 DSCR Minimum, Blanket Loan Option |
| Number of Units | 1 to 4 Units |
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