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AMP Mortage
DSCR

Solutions for real estate investors

Qualification based on subject property's debt service coverage ratio (DSCR) only

0x60x12 allowed

LTVs up to 80% on purchases and 75% on cash-out refinances

No limit on cash out up to 60% LTV, over 60% LTV, max cash out $750k

DSCRs down to .75*

Vesting in an entity (LLC, partnership, corporation) allowed

Min. 660 FICO

Flexible calculation methods for DSCR

Investment Properties

Short-term rentals allowed with minimum 1.0 DSCR

Loan Amounts up to $5MM**

AirDNA may be utilized to calculate short term rental income on purchase transactions

Two years out of a credit event allowed

1–4-unit properties, warrantable condos, PUDs, certain mixed-use properties, and non-warrantable condos/condotels allowed
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