85% LTV DSCR Program Now Available for Short-Term Rentals
Unlock More Buying Power: New 85% LTV DSCR Program Now Available for Short-Term Rentals
Real estate investors know that some of the best opportunities come with a higher price tag. Single-family investment properties in highly desirable locations—beach towns, destination cities, vacation markets, and luxury communities—often command premium prices. And while those locations can generate strong short-term rental income, traditional DSCR programs don’t always reflect that potential.
That’s exactly why we’re excited to introduce our new 85% LTV DSCR purchase program that now allows for short-term rentals (STRs).
The Problem with Traditional DSCR on High-Value Properties
When purchasing a single-family investment property in a premium location, traditional DSCR programs can fall short.
Why?
Because long-term market rents in those areas may not be strong enough to produce a 1.0 or greater Debt Service Coverage Ratio (DSCR). When the ratio falls below 1.0, investors are often required to bring significantly more money to the table to make the numbers work.
That means:
Larger down payments
Reduced leverage
Lower returns on invested capital
Missed opportunities in appreciating markets
For experienced investors targeting short-term rental income, that traditional long-term rental analysis simply doesn’t tell the full story.
The Solution: 85% LTV Short-Term Rental DSCR Program
Our exclusive Short-Term Rental DSCR program is built specifically for experienced investors who understand how to maximize income in desirable markets.
With this program, you can:
Purchase up to 85% LTV
Put as little as 15% down
No mortgage insurance (MI)
No income documentation required
Qualify based on DSCR using short-term rental income
This allows investors to leverage more of their capital while acquiring high-performing short-term rental properties in prime locations.
Instead of being penalized by long-term rental comps that don’t reflect a property’s true earning power, this program evaluates the income potential more appropriately for STR investments.
Who Is This Program Designed For?
This is an exclusive product tailored to:
Experienced real estate investors
720+ FICO score
Single-family residences only (currently)
If you’re an investor who understands short-term rental management and revenue optimization, this program gives you the leverage to scale strategically.
Why This Matters in Today’s Market
In competitive markets, liquidity and leverage are everything. Being able to move forward with:
Just 15% down
No income documentation
No mortgage insurance
gives you a serious advantage.
Rather than tying up large amounts of capital to satisfy traditional DSCR requirements, you can preserve cash for additional acquisitions, renovations, or reserves.
For investors focused on high-demand vacation or destination markets, this program opens the door to properties that previously required significantly more equity to secure.
Additional 85% LTV Options for 1–4 Unit Properties
In addition to our new short-term rental program, Northeast Financial also offers:
85% LTV DSCR options on 1–4 unit properties
When long-term rental income supports a 1.0 or greater DSCR ratio
This gives investors flexibility whether they’re pursuing traditional long-term rental properties or short-term rental opportunities.
If you’re looking to expand your investment portfolio with more leverage and less documentation, this new 85% LTV Short-Term Rental DSCR program could be exactly what you’ve been waiting for.
Connect with Northeast Financial to explore your options and see how far your investment capital can go.
Your Northeast Financial Staff
(844) 788-7237
NMLS#117273
