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Direct to Investor Lending




No appointments necessary
Mortgage Bankers hours 8am-5pm (PT)

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Contact Mortgage Banker

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No cost. No obligation.
Blank Form (#3)

Contact Mortgage Banker

Quick Response Form

No cost. No obligation.
DSCR Loans are available in: Alabama, Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Nebraska, New Hampshire, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming

DSCR Loans are available in the following states: AL AK AZ CA CO CT DE DC FL GA HI ID IN IA KY LA ME MD MA MO NE NH OK OR SC SD TN TX VA WA WV WI WY

Got 80 seconds? Watch our DSCR video!


Turn Rental Property Equity Into Cash

Multiply Your Assets with DSCR Loans


Increase your buying power and get quick access to capital. Take advantage of passive income as well as existing equity in a rental property to create the potential for large long-term payout.

Using cash-out refinance, you can pull-out up to $1 million in equity out of each existing rental property. Utilize our DSCR Investor Cash Flow Loans and take advantage of fast funding services for mortgage cash-out refinance, the hybrid of current market fixed or variable rates, and flexible terms, to seize new investment opportunities.

Use our simple loan application process to accelerate the growth of your real estate investment portfolio.

30yr fixed rate Non-QM mortgage rental SFRs
DSCR 40yr IO mortgage for an Airbnb retreat


1-4 Units Rental Property

  As a DIRECT DSCR MORTGAGE LENDER we make all credit decisions and exceptions in house:
  • Direct to investor lending: – Flexibility with in-house underwriting – Better deals without intermediaries – Faster pre-approvals – Faster processing, quick funding
  • No-limits on number of financed properties
  • No balloon payments
  • Low reserve requirement
  • Interest-Only (IO) option – available
  • Keep property under LLC – allowed
  • Non-occupant co-borrower – allowed
  • Foreign national borrower – allowed
  • First-time investor – allowed
  • Self-employed investors are welcome
  • Fast efficient closings of 1031 exchange
  • Excellent loan product for long term investors
  • Not a HARD MONEY Loan!

Get a FREE Formal Lender Pre-Approval Letter

No appointments necessary Mortgage Bankers hours 8am-5pm PT


  • Borrow from $150,000 to $3,500,000
  • Purchase, Refinance and Cash-out loans
  • Get a 30yr Fixed rate, 40yr Fixed IO rate, or ARM loan
  • Interest-Only features are allowed for 40yr Fixed (10yr IO + 30yr P&I), and ARM loans
  • Interest rate buy-down option available
  • Cash-out up to $1,000,000
  • DSCR as low as .75 (Negative cash flow – OK)
  • Refinance up to 75% LTV (for SFR) Lower rates with smaller LTV
  • Purchase up to 80% LTV (for SFR) Lower rates with smaller LTV
  • No Prepayment Penalty after 36mo (Ask for shorter prepayment period)

  • Qualify on property’s rental income
  • No personal income verification
  • No tax returns or financials needed
  • No Dept-to-Income (DTI) Ratio
  • No Limit on financed properties
  • No lease is needed (Market rent can come from appraisal)
  • Use IO feature to calculate DSCR of Fixed or ARM loan
  • Gifts are allowed for Down Payment (subject to terms)
  • Minimum credit score 620 (Get better rate with higher FICO)
  • Low reserve requirement
  • No recent foreclosure or bankruptcy
  • Close mortgage in 14 days (after appraisal)


  • Single family rental houses (SFRs)
  • 1-4 units multi-family properties (duplex, triplex, 4-plex)
  • Planned Unit Development (PUD)
  • Warrantable Condos
  • Non Warrantable Condos
  • Modular Homes
  • Townhomes
  • Airbnb, VRBO, Condotel
  • 1031 exchange eligible


Hard Money? No!

Use DSCR Superior Alternative to
Hard Money Loans

Our DSCR Loan Program offers a superior alternative to Hard Money Loans, eliminating the painfully slow approval process.

Hard Money loans come with balloon payments and higher costs. With us, you can escape the burden of double-digit interest rates and hefty origination fees.

Experience the benefits of our quick funding long-term DSCR financing, instead of opting for a Jumbo conventional mortgage that often demands a higher credit score, extensive personal income and employment documentation.

No appointments necessary
Mortgage Bankers hours 8am-5pm (PT)


Self-employed investor DSCR 30yr loan for rental duplexes
OptionWide® 4-plex fixed or variable rate DSCR mortgages

Loans That Empower
Over 115,000 Investors

Direct Lender Advantage

Direct to Investor Lending – No Intermediaries

OptionWide® Financial, your premier direct lender. We make credit decisions in-house, providing flexible qualification and faster funding.

With mortgage financing in 34 states, get more funds at the best rates and terms. Enjoy the convenience of our automated systems and the expertise of our qualified mortgage bankers.

Say goodbye to unnecessary costs, frustrations, and delays. Request your FREE pre-approval letter today and gain a competitive edge in your property search.

Use DSCR Superior Alternative to
Hard Money Loans

No appointments necessary
Mortgage Bankers hours 8am-5pm (PT)

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Fastest Path to Funding


no impact to credit

Fill out this form and a Mortgage Banker will guide you through the final application step

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Contact Mortgage Banker

Quick Response Form

No cost. No obligation.