Grow Your Real Estate Portfolio Without Income Barriers
Turn property cash flow into borrowing power.
Our investor loan programs — including DSCR options — allow you to qualify based on property income, not personal tax returns, W-2, or 1099. Ideal for retirees on a fixed income or investors with substantial assets.
Definition: An Investor/Debt Service Coverage Ratio (DSCR) loan is a type of residential investment lending program that uses a property's cash flow potential to qualify for a mortgage instead of personal income.
Loan purpose: Allows investors of 1-10 units to buy property with 20% downpayment and rental income to qualify for the loan to grow your investment portfolio. No taxes or W2s required.
Application: Borrowers may own real estate, be retired, or have insufficient income to qualify for a traditional loan, yet still want to grow their real estate portfolio. An Investor/DSCR loan accomplishes the buyer’s objective.
Equity Without Planning is a Missed Opportunity
Access equity in investment property without selling to consolidate debt, buy additional property, or invest for supplemental income.
Scale-up with a 1031 Tax Deferred Exchange with a larger property to grow your portfolio, increase your income, or leave generational wealth to your beneficiaries.
20% down investment options
Short-term and long-term financing
15, 20, 30-year fixed or adjustable loans.
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When you partner with Prism, you will receive objective, conflict-free advice. We tailor our programs and services to the diverse needs of our customers, enabling them to remain focused on understanding and meeting their real estate needs.