The 30-Year Fixed Rate loan is for investors looking for an opportunity to streamline into a 30-year term Debt Service Coverage Ratio (DSCR) loan for rental properties.
DSCR loans are the newest offering from Hedge Wealth Capital and are intended as a take-out of your existing loan or purchase of a rental property to allow you to access more cash when you need it most!
A Debt-Service Coverage Ratio (DSCR) loan is based upon cash flow from rental income. Approval for the 30-Year Rental Loan will occur if there is enough cash flow from the rental income received on a particular property to cover the outstanding monthly debt on the property.
The primary qualification for a DSCR loan from Hedge Wealth Capitalis the cash flow of the subject property (income divided by expenses). Loan qualification is NOT based on pay stubs, tax returns, or personal income.
Our 15-year term loans with 15-year amortization are designed for investors who want to hold properties long-term while keeping monthly payments manageable. Enjoy competitive rates comparable to conventional financing, allowing you to maximize cash flow and grow your investment portfolio with confidence.
Qualifying has never been easier. With no paystubs or tax returns required, our low-documentation loans streamline the process, saving you valuable time and reducing paperwork. This makes investing simpler, faster, and more efficient for busy property owners.
Unlike traditional loans that rely on personal income, our approvals are based solely on the property’s cash flow. This approach allows you to leverage your investments, scale your portfolio quickly, and focus on growing your business without unnecessary hurdles.
We provide financing solutions tailored specifically for business owners, including LLCs. Whether you’re purchasing your first property or expanding an existing portfolio, our loans are structured to support your business goals.
Whether you own a single SFR or manage a large multi-property portfolio, we have flexible solutions to meet your needs. Our loans are designed to accommodate both individual investments and extensive property collections, helping you achieve long-term success.
The primary advantage of a WWC loan is that approval is based on borrower credit and property cash flow, rather than personal income. These loans are “low-doc,” meaning they require significantly less paperwork compared to conventional financing, making the process faster and simpler for investors.
Conventional Loans vs. WWC Loans
Conventional loans can be challenging for real estate investors, as they must meet strict guidelines set by Fannie Mae and Freddie Mac. While conventional loans may offer lower interest rates for those who qualify, they typically involve more documentation and stricter requirements, making them less flexible for scaling investment portfolios.
To qualify, you must have a minimum FICO score of 680 but exceptions can be made as low as 660. Your credit score will determine the rate you are quoted.
The maximum LTV is 80% for Purchase and Rate & Term and 75% for Cash-out Refinance. Maximum LTV will vary based upon your creditworthiness, the property location, and the property Debt Service Coverage Ratio.
Yes, we do.
Yes, we can go up to 10 units on our 30 year DSCR Loan Program.
In most cases, there’s a three-month seasoning period for a cash-out refinance. However, depending on factors like loan scope, credit score, and borrower type, it could extend up to six months.
For real estate investors who purchased a property free and clear with no liens at closing, we offer a Delayed Purchase Program. This option does not require any seasoning and allows financing based on the original purchase price and rehab costs within the first six months. After that period, investors can refinance using the property’s true loan-to-value (LTV).
No, we do not, only non-owner-occupied residential properties.
1. Short One-Page Application
The application is quick and simple, typically involving a concise one-page form.
2. Proof of Insurance
Provide proof of insurance to ensure your property is protected against potential risks.
3. Executed Lease Agreement
This confirms that your property is generating rental income.
4. Purchase Settlement Statement
Essential for the loan application, this document details the acquisition of your property.
5. Valid Identification
Present a driver’s license, passport, or green card for verification purposes.
6. Two Months of Bank Statements
These statements provide insight into your financial health and ability to manage the loan.
7. Entity Documents & W9
If applying through a business entity, provide necessary entity documents along with a completed W9 form.
Having these documents ready and following the streamlined process will help you secure your WWC loan quickly and efficiently.
WWC Loan Prepayment Options
Our WWC (Cash-Flow-Based) loans offer flexible prepayment structures designed to meet the unique needs of investors:
Variety of Options
Borrowers can select from multiple prepayment structures, including zero prepayment penalties or customized plans tailored to investment strategies.
Tailored to Your Goals
Choose a prepayment plan that aligns with your long-term vision and financial objectives, ensuring your loan supports your growth plans.
Popular Choice
Many clients prefer the 3-2-1 prepayment structure, which provides a clear, predictable schedule.
Optimal Rates
For those seeking the most competitive rates, the 5-4-3-2-1 structure offers an alternative prepayment arrangement designed to maximize financial efficiency.
With these flexible prepayment options, WWC loans provide clarity and simplicity, giving investors confidence in planning their long-term strategy. Our team is always available to guide you through selecting the plan that best fits your goals.
