Debt Service Coverage Ratio (DSCR) Loans
At Kamarilias Mortgage, we offer DSCR Loans—the perfect financing solution for real estate investors. Instead of relying on personal income, these loans qualify borrowers based on a property's rental income, making it easier to expand your investment portfolio.
Who Qualifies?
Real estate investors purchasing or refinancing rental properties
Borrowers with multiple properties or complex income structures
Investors seeking no-income verification loan options
Key Benefits:
No Personal Income Verification – Approval based on property cash flow
Fast & Flexible Financing – Ideal for growing real estate portfolios
Competitive Loan Terms – Designed for long-term investment success
Multi-Property Investors Welcome
– No limits on the number of properties financed
How DSCR Loans Work:
Lenders assess the Debt Service Coverage Ratio (DSCR) by comparing the property’s rental income to its mortgage payment. If the rental income covers or exceeds the mortgage, you’re more likely to qualify— no tax returns or W-2s required!
Invest Smarter with Kamarilias Mortgage!
Whether you're purchasing a new rental property or refinancing an existing one, our DSCR loan experts can help.
Fix & Flip Loans
At Kamarilias Mortgage, we provide Fix & Flip Loans designed for real estate investors who want to purchase, renovate, and quickly resell properties for a profit. These short-term loans focus on the After-Repair Value (ARV), ensuring you have the funds to cover both the purchase and renovation costs.
Who Qualifies?
Real estate investors looking to renovate and resell properties
House flippers seeking fast, short-term financing
Investors needing funds for both purchase & rehab costs
Key Benefits:
Fast Approvals & Funding – Get financing quickly to seize investment opportunities
Loans Based on ARV – Borrow against the future value of the property
Covers Purchase & Rehab Costs – Maximize your renovation budget
Flexible Terms – Short-term financing options tailored to your project timeline
How Fix & Flip Loans Work:
Purchase the Property – Secure funding for acquisition
Renovate & Add Value – Use the loan for repairs and upgrades
Sell for a Profit – Pay off the loan and maximize your return
Start Your Next Flip with Confidence!
Our expert lending team is here to help you navigate the Fix & Flip Loan process and make your next investment a success.
Cross Collateral Loans
At Kamarilias Mortgage, we offer Cross Collateral Loans, allowing real estate investors to leverage multiple properties as collateral to secure financing for new purchases. This powerful strategy helps investors maximize their existing equity to grow their portfolio without liquidating assets.
Who Qualifies?
Investors looking to expand their real estate holdings
Borrowers with equity in multiple properties
Investors seeking to leverage existing assets instead of large cash down payments
Key Benefits:
Leverage Multiple Properties – Use equity from existing real estate to finance new investments
Higher Loan Amounts – Secure larger financing based on total collateral value
Flexible Terms – Tailored to meet the needs of portfolio investors
No Need to Sell Assets – Retain ownership while using your properties to secure funding
How Cross Collateral Loans
Work:
Pledge Multiple Properties – Combine equity from different assets to secure financing
Access Larger Loan Amounts – Get funding based on total property value
Expand Your Portfolio – Use the loan to acquire new real estate investments
Grow Your Real Estate Portfolio with Ease!
Our Cross Collateral Loan solutions are designed to help investors scale their real estate business efficiently.
Hard Money Loans
At Kamarilias Mortgage, we offer Hard Money Loans, ideal for real estate investors who need fast, short-term financing for property purchases or renovations. Unlike traditional loans, these asset-based loans prioritize the property’s value over the borrower’s credit, ensuring quick approvals and funding.
Who Qualifies?
Real estate investors needing fast financing
House flippers and developers working on short-term projects
Borrowers with less-than-perfect credit but strong property assets
Key Benefits:
Quick Approvals & Funding – Close deals faster and stay competitive
Asset-Based Lending – Approval is based on the property’s value, not just your credit score
Flexible Loan Options – Choose between a lump sum loan or a home equity line of credit (HELOC)
Flexible Terms – Short-term financing options to fit your investment strategy
Ideal for Fix & Flip & Bridge Loans – Get the cash you need to renovate or transition between properties
How Hard Money Loans
Work:
Apply & Get Approved Quickly – Based on the property’s value
Receive Funds Fast – Close in days, not weeks
Invest, Renovate, & Profit – Use the loan for quick property flips or short-term investments
Secure Fast Funding for Your Next Deal!
Our Hard Money Loan solutions provide the speed
and flexibility investors need to seize
opportunities.
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