Portfolio + No-Ratio

FlexPoint

Flexible DSCR programs from first rentals through 25-property cross-collateral portfolios

Match My Deal Compare Lenders

Min. DSCRNo-ratio option; 1.0x typically qualifies

Max LTVUp to 85% purchase on 1–4 units

Min. Credit640+ FICO

Loan AmountsUp to $6.25M cross-collateral

ClosingPre-approval marketed within 24 hours; confirm closing

Program snapshot

What stands out

Up to 85% purchase LTV and 640 FICO on 1–4 unit DSCR
No-ratio option, STR, condotel/non-warrantable condo and first-time investor eligibility
Cross-collateral DSCR can combine up to 25 properties in one loan up to $6.25M

Single Family2–4 Units5–8 UnitsMixed-UseCondotelsNon-Warrantable CondosShort-Term Rentals (STR)Cross-Collateral Portfolios

Fit

Best for

High-leverage purchases
No-ratio scenarios
First-time investors
5–8 unit or mixed-use properties
Portfolio consolidation

Watch for

Leverage and loan limits differ materially across 1–4 unit, 5–8/mixed-use and cross-collateral programs.
Program availability varies by state and scenario.

Loan Terms & Transparency

How this loan is actually underwritten

DSCR calculationMonthly rent ÷ PITIA

FlexPoint explicitly describes its 1–4 unit calculation as monthly rent divided by the proposed PITIA payment; it also offers a no-ratio option.

AppraisalLease or market-rent appraisal; ordering method not disclosed

FlexPoint says it typically needs a lease agreement or market-rent appraisal, but does not publicly establish AMC vs. direct ordering or portability.

Lender feesNot publicly disclosed

The current DSCR pages reviewed do not publish a complete lender-controlled fee schedule.

Reserves / escrowNot publicly disclosed for core 1–4 unit program

A six-month PITIA reserve is published for FlexPoint’s foreign-national program, but DSCRDeals did not apply that requirement to the standard 1–4 unit program.

PrepaymentNot publicly disclosed

Current core 1–4 unit DSCR materials reviewed do not publish a standard PPP schedule.

What can affect termsFICO, LTV, DSCR and program type

FlexPoint publishes different leverage, credit and DSCR requirements across 1–4 unit, 5–8 unit/mixed-use and cross-collateral programs.

Last verified: Aug. 23, 2026 · Source: FlexPoint DSCR Loans

DSCRDeals take

A highly flexible DSCR platform with 640 FICO, up to 85% purchase LTV, no-ratio options, STR and specialty-property eligibility, plus cross-collateral financing for portfolios of up to 25 properties.

Data last verified: 2026-08-19. FlexPoint DSCR loan programs.