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  • (651) 552-3681

    Home Purchase - Home Refinance
    Serving MN WI IA ND SD CO FL

    Upload Documents Cambria Mortgage app
    Cambria Mortgage application

  • Investor Positive Cash Flow Loan - DSCR Loan

    Qualify simply on positive cash flow!

    As a real estate investor, buying homes under traditional conventional programs can many times be a major hassle with submitting complicated tax returns, income statements, how many homes do you already own, cash reserve requirements, and more make it difficult for many investors.

    Our DSCR Investor Cash Flow MORTGAGE LOAN Program Can Help You Buy More Homes

    We make it easy to qualify to buy more homes with our DSCR (Debt Service Coverage Ratio) Cash Flow loan, which allows you to qualify simply based on a positive cash flow rental analysis of the property. If it cash flows, you are good!  This saves you all the hassle of the complicated income statements and tax returns of conventional loans

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    • No personal income used to qualify. No personal income documentation needed.
    • Qualification based on the properties positive cash flow
    • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
    • Credit scores down to 620 allowed
    • Rates starting in the mid 4’s with excellent credit and a low LTV
    • Up to 80% Loan-to-value (single family home) 75% Loan-to-Value multi-family home
    • No Debt-to-Income restrictions
    • Applicant MUST have a current primary home
    • Property can NOT be too rural (call to discuss if rural)
    • 1-4 units, single family, townhouse, and condos
    • LLC's allowed
    • No limit on number of properties financed (but just 5 with this program)
    • Loans up to $1.5 million
    • Seller paid closing costs up to 2% of the purchase price.
    • 30-yr fixed, Adjustable, and Interest only option
    • 40-year fixed, Adjustable, and Interest only options
    • Interest only option. First 10-years interest only, then remaining balance fully amortized
    • Short-term rental (STR) Purchase available up to 75% LTV - using AirDNA
    • Must escrow for taxes and insurance
    • No pre-payment penalty in Minnesota

    We lend on these loans in MN, WI, FL, TX, CO

    Case-by-case, also:

    AL, AR, CT, DC, DE, FL,GA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NH, NJ, NM, OH, OK, PA, RI, SC, TN, VA, WA

  • CALL

    Ready to get started?

    Simply contact us at (651) 552-3681 to discuss your situation. Our normal in office hours are M - F, 9:00 AM until 5:30 PM.

  • As with all mortgage loans, not everyone will qualify. Note: This quote is based on the borrower meeting the Standard Tradeline requirements. Need 3 tradelines reporting for a minimum of 12 months -OR- 2 tradelines reporting > 24 months; all with activity in the last 12 months. Cancelled checks for 12 or 24 months housing history may also be used as a tradeline. DSCR = Rents / (PITI + HOA Payment). DSCR under 1.00 and at least 0.80 requires Minimum FICO 700 and Maximum LTV of 75% DSCR under 1.00% has a Rate Adjustment of +.375%

  • ** EXPERIENCE MATTERS **

    Top rated mortgage lender locally and nationally, year after year... This is because clients agree - Experienced Loan Officers with mortgage interest rates you can brag about and amazing service clearly sets us apart from the big banks and online lenders.

  • Equal Housing Lender. The Joe Metzler Team at Cambria Mortgage lends in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota, Colorado, and Florida only. This is not an offer to lend or to extend credit, nor is this a guaranty of loan approval or commitment to lend. Information here can become out of date, and may no longer be accurate. Products and interest rates are subject to change at any time due to changing market conditions. Not all programs available in all states. Actual rates available to you may vary based upon a number of factors. Consumers must independently verify the accuracy and currency of available mortgage programs. All loan approvals are subject to the borrower(s) satisfying all underwriting guidelines and loan approval conditions and providing an acceptable property, appraisal and title report. Joe Metzler, NMLS 274132, Cambria Mortgage NMLS 322798. © 1998 - 2024.

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