REAL ESTATE INVESTOR FINANCING

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    No Minimum DSCR

    Property Doesn't Meet a Traditional DSCR? You May Still Have a Path.

    A 30-year fixed-rate mortgage with fully amortizing principal + interest payments and no-minimum-DSCR options. Designed for properties with weak or no DSCR, vacant purchases, new short-term rentals without operating history, and larger or blanket transactions.

    Program Details

    Structure
    30-year fixed-rate mortgage, fully amortizing principal + interest
    Maximum Leverage
    Up to approximately 80% LTV purchase / rate-term; up to approximately 75% cash-out
    Minimum DSCR
    No minimum DSCR options
    Credit Profile
    Approximately 640 minimum
    Qualification
    No traditional debt-to-income qualification
    Rental Types
    Long-term, mid-term, short-term
    Occupancy
    Vacancy allowed on purchase
    STR History
    Not required on qualifying scenarios
    Property Units
    1–10 unit residential investment properties
    Vesting
    Entities / LLCs / partners welcome
    Loan Range
    Approximately $100K–$3.5M+ on individual properties
    Blanket / Portfolio
    Up to approximately $5M

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Properties below 0.75x DSCR
    • Properties with no meaningful DSCR
    • Borrowers around 640–659 FICO
    • Vacant rental acquisitions
    • New short-term rentals without operating history
    • Larger single-property loans and blanket / portfolio transactions

    Why This Structure Exists

    This structure solves deals that do not fit a traditional DSCR floor. It does not require a minimum DSCR — eligibility is based on the complete property and borrower profile rather than a fixed DSCR threshold. It does not mean the property has to cash flow positively, and it does not mean credit and reserves do not matter.

    Vacancy & STR History

    Vacancy is allowed on purchase on qualifying scenarios. No prior STR operating history is required on qualifying scenarios — short-term-rental income may be evaluated through market-rent support, comparable rentals, or projection data depending on the program. Eligibility depends on the property, transaction, and provider.

    Blanket / Portfolio

    One loan may be secured by multiple eligible rental properties. Blanket structures up to approximately $5M through applicable programs may allow investors to finance a portfolio under a single loan rather than individual property loans.

    Other Rate Structures

    Other rate structures, including certain adjustable-rate options, may be available depending on the transaction. Green Fire currently presents four primary DSCR products; this note is not a fifth main product.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a flexible 30-year fixed dscr deal?

    Submit once. We'll review the transaction and identify potential financing paths.