All Forum Posts by: Debbie Fales

We are a direct private lender based in Maryland but lending nationwide. We offer a competitive fix and flip product with LTV to 75%. I'd be happy to get you a free, no-obligation quote for your Montgomery Co project. DM me for details.

Best of luck!

Are you a mortgage broker with real estate investor clients? 

Please join us this Thursday as we discuss the most recent updates to our popular DSCR Loan program. We recently reduced our rates and fees (to include no-point loans), making us more competitive than most other lenders in the marketplace.

Our Zero Point DSCR loan product has generated considerable demand for new and refinanced rental loans. On this call, we'll walk through the guidelines to help you market it to your investor clients. See the current terms below:

> Purchase, Rate Refinance, Cash-Out Refinance

> Rates From High-6s

> Loans From $100K to $3.5M

> Residential Single (1-4 Units) And Multi-Family (5-8 Units)

> 30-year, 20-year, and 15-year Fixed OR 5, 7, and 10-year ARM

> Credit 640+

Have questions ahead of the call? Reach out to [email protected] or 443.228.8182.

Right now, our DSCR rates start in the mid to high 6s but we also offer a zero-point option with a slightly higher rate. With no points, closing costs are reduced. This appeals to some of our borrowers who are more concerned with limiting their initial cash outlays than with the rate. As others have mentioned, your specific rate would depend on experience, credit score, and leverage.

Best of luck to you!

Right now, our DSCR rates are starting at 6.875% for folks with good credit and experience. For those investors looking to reduce their upfront costs, we also offer Zero Point DSCR loans at a slightly higher rate. Feel free to DM me for a no-obligation quote.

Hope this helps! 

There are no HOA fees for these properties. As far as market rents go, an investor just purchased 2509 Crossman and rented it for $4450/mo.

Hope this helps! DM me if you'd like more details. 

It’s no secret that housing affordability is at an all-time low nationwide. Scarce inventory and high interest rates have locked many people into their current low-rate mortgages. Given that, finding properties at the right price point for a fix and flip has been daunting for many real estate investors.

As a result, many of our clients are pivoting to long-term rentals.

According to the Joint Center For Housing Studies, the US home price index is now a whopping 47 percent higher than since early 2020. Meanwhile, in the rental market, although rent growth slowed to just 0.2 percent year over year in early 2024, rents remain up 26 percent nationwide since early 2020 and are rising in three out of every five markets.

One such market is Dallas-Fort Worth where unemployment is a low 3.8% — below the national average— and demand for apartments is increasing.

One of our clients has recently completed the construction of six luxury duplexes in downtown Dallas. With five currently listed, they present a golden opportunity for an investor looking to buy and rent.

Create a passive income stream while also building equity—it’s a win-win.

2503 Crossman Ave, Dallas, TX 75212

2505 Crossman Ave, Dallas, TX 75212

2507 Crossman Ave, Dallas, TX 75212

2511 Crossman Ave, Dallas, TX 75212

2513 Crossman Ave, Dallas, TX 75212

Each beautiful 4 BR 5 BA townhome has all the bells and whistles including warm wood floors, a European-style kitchen, spa-like bathrooms, and more. With views of downtown Dallas, these 2550-square-foot homes have everything a new resident might want. Situated just minutes away from Bishop Arts District, Reunion Tower, museums, and a vibrant dining scene, these unique properties offer the perfect blend of style and convenience.

Well-priced at $549K, these luxury duplexes offer a lot of bang for your buck. Consider purchasing these turnkey properties using a Zero Point DSCR loan and save on financing right up front. Buy multiple properties and bundle your savings.

Qualifying for our DSCR loan product is easy —no income requirements or tax returns are necessary.

✅ Purchase, Rate Refinance, Cash-Out Refinance

✅ Loans From $100K to $3.5M

✅ Rates From 7% I/O APR

✅ 30-year, 20-year, and 15-year Fixed OR 5, 7, and 10-year ARM

✅ Credit 640+

Want to learn more about these rental-ready properties? Reach out to NavCap’s Rick Rall at 888.444.3160 ext 2001 or [email protected] to set up a walk-through and discuss details.

Lately, we've seen a lot of our clients pivot from a fix-and-flip to a fix-and-rent strategy. We offer 30, 20, 15-year fixed-rate options as well as 5,7,or 10 year ARMs. Our rates are starting in the low-7s for our DSCR products. Hope this helps - good luck!

Consider including a Proof Of Funds letter to bolster your bid. We offer a free customizable POF on our website when you sign up with us (at no obligation).

Good luck!

It sounds like you're well-positioned for success, Mark. We'd need some property details to be specific about rate and term. If you'd like a no-obligation quote, send me a direct message. 

The higher your credit score and the more experience you have, the better your rate will be. For DSCR, the minimum credit we require is 620. For experienced folks, we can lend up to 80% of the ARV. If you'd like to talk through options, feel free to reach out.

Good luck!