Welcome to IMS Funding, we are a direct lender and broker based out of Austin Tx. We specialize in DSCR loans for traditional and vacation rentals. With years of experience, we will find you the best options for your strategy. 

As experts in non-QM lending, we specialize in connecting you with tailored financial solutions that align seamlessly with your investment goals. Whether you’re a seasoned investor expanding your portfolio or a first-time investor taking the plunge into real estate, our team is here to guide you through the intricacies of investment mortgages.

Loan Options:

DSCR: Long-term, short-term rentals and Padsplit(rent by the room).
1-4 unit properties.
Up to 80% LTV on a purchase or rate and term refinance.
Up to 75% on a cash-out refinance. 
Minimum credit: 660+ **can go lower with limitations. 
Minimum DSCR: 1.0
Minimum property value: $150K

Fix & Flip:
1-4 unit properties. 
Up to 90% LTC with 100% Rehab for experienced investors. 
Up to 80% LTC with 100 Rehab with no experience.
Minimum credit: 600
Minimum Loan amount: $100K

Multifamily:
Up to 20 units.
Up to 75% LTV
Minimum Credit: 660+
Minimum property value: $400K with $50K minimum per door

Multifamily value-add bridge:
Up to 85% LTC
Minimum Credit: 680
Minimum Property value $500K