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Long-Term Rental DSCR Loans
Wire2Title remains committed to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 5.75% to ensure that our customers have true long-term financing options.
Loan Criteria
Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
LTV
Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Amortization Options
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available
Additional Loan Requirements
Property Values
"As Is" Appraised Value Must Be $100k or Greater
(Geographical Restrictions May Apply)
Loan Amount
$55k – $2M
Debt Service Coverage Ratio (DSCR)
1.05
Minimum FICO
660
Rates
Starting at 5.75%
Long-Term Rental Loan Program Typical Leverages
Understand Your FICO Score
Your credit score determines your maximum loan-to-value ratio and loan-to-cost options.
Determine Your Loan Purpose
Different leverages apply to purchase, refinance, and cash-out transactions.
Calculate Potential Financing
Use our leverage tables to estimate your maximum loan amount based on property value.
Purchase Loan Options
Refinance Loan Options
720+ FICO
Up to 80% of the As-Is Value
700 - 719 FICO
Up to 80% of the As-Is Value
680 - 699 FICO
Up to 75% of the As-Is Value
660 - 679 FICO
Up to 65% of the As-Is Value
Cash-Out Refinance Options
1
1
720+ FICO
Up to 75% of the As-Is Value
2
2
700 - 719 FICO
Up to 75% of the As-Is Value
3
3
680 - 699 FICO
Up to 70% of the As-Is Value
4
4
660 - 679 FICO
Up to 60% of the As-Is Value
Loan Application Process
Submit Application
Document Review
Property Evaluation
Loan Approval
Complete our simple online application with your personal and property information
Our team reviews your financial documents and property details
Professional appraisal determines the "As-Is" value of your investment property
Receive your loan terms and complete the closing process
Benefits of Long-Term Rental Loans
30-Year Terms
True long-term financing options for your investment strategy
Competitive Rates
Starting at just 5.75% to maximize your investment returns
Flexible Options
Choose from fixed-rate, ARM, or interest-only payment structures
High LTV Options
Up to 80% financing on qualifying properties and credit profiles
Eligibility Requirements
Credit Score
Minimum FICO of 660 required
Property Type
Non-owner occupied 1-4 family, condos, townhomes, PUDs
Property Value
"As Is" appraised value of $100k or greater
DSCR
Minimum 1.05 debt service coverage ratio
Get Started Today
What types of properties qualify for Wire2Title's Long-Term Rental loans?
Non-Owner Occupied 1-4 Family Real Estate, Condos, Townhomes, and Planned Unit Development (PUD) properties with an "As Is" appraised value of $100k or greater.
What are the minimum requirements to qualify?
You'll need a minimum FICO score of 660, a property value of at least $100k, and a Debt Service Coverage Ratio (DSCR) of 1.05 or higher.
What loan amounts are available?
Wire2Title offers loan amounts ranging from $55k to $2M for qualified borrowers and properties.
What amortization options are available?
We offer 30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options to suit your investment strategy.