Find loans that will work for this scenario: Property Type: SFR, Property State: Ohio, Lien Position: 1st Lien, Loan Purpose: Cash Out, Occupancy Type: Investment Property, Min Debt Service Coverage Ratio (DSCR): 1.1, LTV: 70%, Loan Amount: $112,000, Income Type: Debt Service Coverage Ratio (DSCR & No Ratio DSCR), Property Value: $160,000, Citizenship: Foreign National. These are my loan scenario requirements, please recommend programs that will work for this scenario.

Short answer

You have several viable DSCR options at 70% LTV and $112,000 in Ohio as a Foreign National. Best fits: A&D Mortgage (Foreign National DSCR), Arc Home (Edge DSCR), and LoanStream (Core DSCR). Some lenders will not work unless you drop LTV to 65% or increase the loan amount.

Recommended programs that fit now

Lender	Program	Why it fits	Key points
A&D Mortgage	Foreign National DSCR	FN DSCR cash-out allowed; OH SFR; 1st lien; loan ≥ $50k; DSCR ≥1.1; 70% LTV OK	Min loan $50k; DSCR allowed incl. <1; PPP on investments (special 36-month min if recently listed); typical FN reserves 3–12 mo; FICO flexible incl. no score [1][17]
Arc Home	Edge DSCR	DSCR cash-out allowed; min loan $100k; 70% LTV OK; DSCR min 0.80	FICO min 700; reserves 3 mo; PPP allowed up to 5 yrs; FN allowed (no special 70% cap noted) [2]
LoanStream	Core DSCR	FN allowed; min loan $100k; DSCR ≥1.00; FN cash-out cap 70% (you meet)	FICO 700 (FN); reserves typically 12 mo for FN; PPP allowed in OH [1]

Programs that don’t fit as-is (and why)

• Angel Oak – Investor Cash Flow: FN cash-out max LTV 65%; you’re at 70%. DSCR ≥1.0 OK; min loan $100k OK; reserves 12 mo (FN) ^[2].
• The Lender – Foreign National/NONI: FN cash-out cap 65% (≤$1M loan); you’re at 70%; min loan ≥$100k met. No PPP allowed in Ohio per their matrix ^[18].
• Champions Funding – Foreign National DSCR (Ambassador): Min loan $125k; you’re at $112k. LTV 70% and DSCR 1.10 otherwise OK. No PPP in OH for 1–2 units per their matrix ^[7].
• NQM Funding – Investor DSCR and No Ratio: Foreign Nationals ineligible (FN must use their FN program, not offered here). No Ratio also has $125k min ^[55][40].
• Deephaven – Equity Advantage DSCR: Not eligible—program is standalone second lien and disallows Foreign Nationals ^[214][223].

Just missed (preliminary screen)

• FundLoans: Min loan $200,000 (your $112,000 is below).
• Change Wholesale: Min loan $125,000 (your $112,000 is below).

Next steps (to lock the best option)

Please confirm:

• Credit score (target ≥700 opens Arc Home and LoanStream FN options cleanly)
• Liquid reserves available (A&D can be more flexible; LoanStream FN overlay often expects ~12 months)
• Prepayment penalty preference (A&D/Arc allow PPP; The Lender/Champions indicate no PPP in OH)
• Any recent listing of the property (affects A&D PPP rules)

Want me to size exact cash-out proceeds and payments for A&D, Arc Home, and LoanStream side-by-side?

Short answer

You have a solid fit with A&D Mortgage’s Foreign National DSCR at 70% LTV and $112,000 in Ohio. Champions could work only if the borrower has an ITIN. NQM Funding and Orion don’t fit as-is due to FN ineligibility and/or minimum loan amount.

Programs that fit now

Lender	Program	Fit summary	Key notes
A&D Mortgage	Foreign National DSCR	Eligible: FN, OH SFR, cash‑out, 70% LTV, DSCR ≥1.10, min loan met	Typical FN reserves 12 mo; FICO flexible incl. no score/660+; No prepayment penalty allowed on Ohio 1–2 unit loans at this balance ($112k) [1][3]

Could fit depending on details

Lender	Program	When it works	Key notes
Champions Funding	ITIN Accelerator DSCR 1–4 Unit	If at least one borrower has an ITIN	Min loan $100k (met); DSCR ≥0.80; 70% cash‑out OK; No PP in Ohio 1–2 units [5]

Not eligible as submitted (and why)

• A&D Mortgage – DSCR (No DTI): FN not allowed; must use FN DSCR instead ^[1].
• A&D Mortgage – Foreign National Full Doc: Eligible if you switch to full/alt‑doc (DTI) instead of DSCR; min loan met; same Ohio no‑PP rule ^[102][2].
• Champions Funding – Foreign National DSCR (Ambassador) and Foreign National‑Full/Alt Doc (Ambassador): Min loan $125k; your $112k is short. Ohio no‑PP on 1–2 units applies ^[8].
• Champions Funding – Ambassador DSCR 1‑4 Units: Min loan $125k (short) ^[7].
• NQM Funding – Investor DSCR, DSCR Supreme, Investor DSCR No Ratio: DSCR suite does not permit Foreign Nationals; DSCR Supreme also has $150k min ^[55].
• Orion Lending: FN DSCR option requires ≥$150k and caps FN cash‑out at 65% LTV; standard DSCR excludes FNs. Ohio allowed. Not eligible as‐is (loan size and FN) ^[7][9][11].

What I need to finalize the best option

• Credit score (if any) and months of reserves
• Does the borrower have an ITIN? (opens Champions ITIN DSCR)
• Prepayment penalty preference (Ohio 1–2 units: no PP allowed at this loan amount; we’ll structure without PP)

Want me to size cash‑out proceeds and payment for A&D FN DSCR (and Champions ITIN DSCR if applicable)?