• Investor - California Property Cash Flow Loan

    The California Property Cash Flow loan qualification is determined based on a debt coverage ratio, or DCR, with borrowers qualifying based on cash flows from the subject property.

    RTC Mortgage's California Property Cash Flow Loan is for experienced real estate investors who are purchasing or refinancing investment properties.

    Program Highlights:

    Employment and income not disclosed on the loan application

    Debt to Income ratio not calculated

    Loan qualification based on the cash flow of the subject property (Debt Coverage Ratio)

    Borrowers may own an unlimited number of financed properties

    Credit score as low as 680

    Maximum LTV 80%

    Cash out up to $2M

    No ownership seasoning requirement for cash-out refinance

    Loan amount up to $2M

    Gift Funds / Gift of Equity allowed

    Perfect loan for borrowers who acquired investment properties paying all cash (recoup some cash) or borrowers who used hard money loans to acquire real estate.

    Loan Terms

    5/1 ARM – Interest only available

    7/1 ARM

    10/1 ARM

    15 & 30 fixed

    If you think your financial situation makes sense for qualifying for a loan, contact Pacific Home Loans – Email us today or call 949-290-8582 during business hours to see if one of our Common-Sense Underwriting loan programs is the loan you have been searching for.

    Or if you’re ready to get started, click get Get Pre-Qualified to begin your loan application right away.