Credit Consolidation Loan

Pay down revolving debt, strengthen your credit profile, and refinance at a better LTV.

Get Your Free Quote

Want more information? Answer a few quick questions below and our team will get you a free quote.

We are excited to roll out a brand new program built for investors who need more from their DSCR refinance.

More and more investors come to us wanting to refinance a DSCR loan with a lower credit score. We can refinance almost any score. The real question is at what LTV and at what cost.

With a 620 FICO, your LTV would max out at 70% and your rate would likely land in the 9s or 10s. That is not a great option.

How it works

We provide funds to pay down your revolving debt.
We place a second lien against your property.
With heavy credit card debt paid down, your score can improve.
Once your score improves, we refinance the property at up to 80% LTV.

Who it is for

Investors carrying high consumer debt, whether from a heavy rehab or any other reason, who want to refinance a property as soon as their score improves.

We are excited to roll out a brand new program built for investors who need more from their DSCR refinance.

More and more investors come to us wanting to refinance a DSCR loan with a lower credit score. We can refinance almost any score.

The real question is at what LTV and at what cost.

With a 620 FICO, your LTV would max out at 70% and your rate would likely land in the 9s or 10s. That is not a great option.

How it works

We provide funds to pay down your revolving debt.

We place a second lien against your property.

With heavy credit card debt paid down, your score can improve.

Once your score improves, we refinance the property at up to 80% LTV.

Who it is for

Investors carrying high consumer debt, whether from a heavy rehab or any other reason, who want to refinance a property as soon as their score improves.

First Name *

Last Name *

Email *

Phone *

Approximate mid FICO *

About the Property

Address *

State *

ZIP Code *

Current Value *

Purchase or Refinance? *

Does the property require any repair in order to rent it out?

What is the estimated current balance?

Type Of Property? *

Total numbers of units? *

Rent per unit (1-4 condo only, monthly amount) *

Please note if any units are vacant to add in market value for the unit. For example, if 2 units are leased and 1 is not, add the market value for the 3rd unit.

Total Homeowners Insurance (annual) *

Total Property Taxes (annual) *

HOA (if applicable, annual) *

If other, please specify in the "Other Notes" section.

Are there any other notes you'd like to add to your application?

Does This Loan need to be Non-Recourse

yes

non recourse only available, on 1-4 family and condos in a retirement account

When did you buy the property?

If you have owned it for 6 months or less- Did you pay cash or did you take a loan?

Additional Information

By what date do you need to close? *