LOAN PROGRAMS

Long-Term Loans

Rental Portfolios

Permanent financing for cross-pledged single family (1-4 unit) residential properties

Rates starting at​
6.5% as of 2/1/24

Churchill’s Portfolio DSCR product provides long-term financing for borrowers looking to acquire and stabilize pools of one-to-four-unit properties.

Term
30 YR with 5/6,7/6,10/6 ARM and 10 YR 10 options

Loan Amount
up to $3MM

Get Started

Property Type
Attached or detached SFR, 2-4 units, townhomes

Loan Purpose
Non-Owner Occupied Business Purpose Residential Loans

Interest Reserve
4 months PITIA Required

FICO
680 minimum

LTAIV
up ot 75%

DSCR Calculation
Leased: Monthly Rent /Monthly PITIA
Vacant: 90% Market Rent / Monthly PITIA

DSCR 
Minimum 1.15

Prepayment Penalty
0-5 Years, Stepdown

Experience
Minimum 12 Months, First Time Investor Case-by-case

Recourse
Full required