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DSCR / No Ratio
Allows you to qualify for a mortgage based on the property's income without needing to meet a specific debt service coverage ratio.
Our DSCR / No Ratio Loan Program
Unlike standard DSCR programs, which require a specific debt service coverage ratio, the no ratio option allows for greater flexibility. This program often focuses on the property's income potential rather than the borrower's financial metrics, making it ideal for real estate investors and self-employed individuals. By eliminating the ratio requirement, lenders can expedite the approval process, making it easier for borrowers to access funds quickly
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All Loan Programs
DSCR / No-Doc
Lets you get a mortgage by solely qualifying on the property's rental income. No tax returns or any income docs are required.
DSCR / No Ratio
Allows you to qualify for a mortgage based on the property's income without needing to meet a specific debt service coverage ratio.
Bridge Loans
Short term financing designed to help borrowers bridge the gap between their current and future financing needs. These loans provide quick access to capital, allowing for smooth transitions in real estate transactions with flexible terms and fast approval processes.
Fix and Flip
Provides funding for purchasing and renovating a property with the goal of selling it for a profit. It is a quick and flexible option for investors looking to buy, renovate, and a resell real estate. No experience required.
Rehab / ARV (After Repaired Value)
Perfect for home buyers or investors looking to improve the property and increase the value.
Ground Up Construction
Designed for builders and developers who need funds to cover the cost of construction, from the foundation to final touches.
Foreign National / ITIN
Provides for individuals without a Social Security Number (SSN), such as a Non-US Citizen or those with an Individual Taxpayer Identification Number (ITIN). It's a great option for international buyers looking to invest in real estate.
Bank Statement / Alt-Doc
12-24 Month Non-QM Bank Statement loan lets you qualify for a mortgage using your bank statements instead of traditional income docs. Ideal for Self-Employer and Non-Traditional Earners.
1099 / P&L
Lets you qualify using your 1099 forms or a 1-2 year Profit and Loss Statement instead of traditional paystubs. Ideal for self-employed individuals or freelancers who need a way to prove their income.
Asset Utilization
Allows you to qualify based on the value of your assets like savings or investments, rather than your income. It's a great option if you have significant assets but irregular income.
Full Doc
Requires complete income verification including pay stubs, tax returns and other financial documents. It's a standard mortgage option for those who can easily provide detailed proof of their income and financial stability.
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Creare Capital Lending is dedicated to empowering investors with tailored mortgage solutions designed to maximize returns and build wealth.