DSCR loan for S corporation

DSCR Loan Options for S Corporation Borrowers

Yes, there are multiple DSCR loan programs available for S corporation borrowers. These programs qualify based on the cash flow of the property rather than the borrower's personal income, making them suitable for business entities like S corporations.

Below is a summary of the available programs from various lenders:

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Comparison of DSCR Loan Programs

Lender	Program Name	Key Features	Link
FundLoans	Spectrum No Ratio Spectrum+	- Qualification based on property cash flow - No personal income required - Designed for real estate investors	Details
AmWest	Investor Advantage Alt Doc Closed-End Second	- Alternative documentation - No tax returns required - Focus on property cash flow	Details
A&D Mortgage	DSCR (No DTI) Second Mortgage	- Focus on property cash flow - No borrower income required - Flexible terms for second mortgages	Details
Angel Oak	Investor Cash Flow	- Rental income used to qualify - No employment or income disclosure required	Details
Arc Home	Access DSCR Edge DSCR	- Qualification based on property income - Designed for business-purpose loans	Details
Champions Funding	Accelerator DSCR 1-4 Unit Ambassador DSCR 1-4 Unit	- DSCR-based qualification - Flexible options for 1-4 unit and 5-8 unit properties	Details
Change Wholesale	Investor Program	- DSCR or No Ratio DSCR qualification - No income documentation required for No Ratio DSCR	Details
Deephaven	DSCR Borrowing Entity Program	- Designed for business entities - Focus on property income potential	Details
Axos Bank	DSCR EXPRESS Expanded DSCR	- Qualification based on DSCR - Flexible options for purchase, refinance, and cash-out	Details
ACC Mortgage	DSCR Non-Residential DSCR Residential	- Suitable for commercial and residential properties - Focus on property cash flow	Details

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Key Takeaways

• Eligibility: All programs are suitable for S corporations as they focus on property cash flow rather than personal or business income.
• Documentation: Most programs do not require tax returns or personal income verification.
• Flexibility: Options include No Ratio DSCR, interest-only loans, and second mortgages.

Would you like more details about any specific program or lender?

DSCR Loan Options for 6 Borrowers

Most lenders do not explicitly allow up to 6 borrowers for their DSCR programs. Here's a summary of findings from each lender:

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Lender-Specific Details

Lender	Maximum Borrowers Allowed	Notes
FundLoans	Not specified	Guidelines do not mention a limit on the number of borrowers.
AmWest	Up to 4 borrowers	Explicitly limited to 4 borrowers for the Alt Doc Closed-End Second Program.
A&D Mortgage	Not specified	No explicit mention of allowing 6 borrowers in DSCR programs.
Angel Oak	Not allowed	Guidelines do not support 6 borrowers for DSCR programs.
Arc Home	Not specified	No explicit mention of allowing 6 borrowers in DSCR programs.
Champions Funding	Not specified	Guidelines do not mention a limit on the number of borrowers.
Change Wholesale	Not allowed	Guidelines do not support 6 borrowers for DSCR programs.
Deephaven	Not specified	No explicit mention of allowing 6 borrowers in DSCR programs.
Axos Bank	Not allowed	Guidelines do not support 6 borrowers for DSCR programs.
ACC Mortgage	Not allowed	Guidelines do not support 6 borrowers for DSCR programs.

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Key Takeaways

• Limited Options: Most lenders either do not specify or explicitly limit the number of borrowers to fewer than 6.
• Further Clarification: For lenders like FundLoans and Champions Funding, where the borrower limit is not specified, it may be worth reaching out directly for confirmation.

Would you like assistance in contacting a specific lender or exploring alternative options?