Texas Investor Loans and Mortgages Overview

Our Mission – DB Capital & Urban Coyote Holdings, LLC – Investor Loans and Mortgages in Texas and beyond

***UPDATED INVESTOR LOANS – MARC 2023

NO Ratio No DSCR for landlords – “payoff hard money” loans coming due , up to 75% LTV (click to submit scenario)

This is our Investor Loan “overview” page, ( Below is a quick summary of the market for “landlord” & rental property loans.) We can arrange funding in Texas and most metro areas with population of 15,000+)

call or submit quick loan scenario :***** quick answer call 214 824 0417 or submit quick scenario – Texas Investor Loan Scenario. (DSCR, BRRR,Stated, more…)

*We are DB Capital (an Urban Coyote Holdings, llc – Texas company) and have been in business since 2009 and our team since 2002.

Types of rental property loans AVAILABLE

type loans available as portfolio loan or institutional, asset based, BRRR, DSCR, “stated income” , more..

(WE OFFER LL AVAILABLE LOANS ) “BRRR” – REHAB TO RENTAL)

A +) Loan : 640+ credit, up to 80% , rates start in

(This is DSCR and credit driven loan, the best rates)

b) “problem solving” loans for investors: (all credit types, all property types, more “asset based”)

“no ratio” program: Not DSCR Driven, credit driven (600-+) up to 65% LTV , Property must have value of 200k +

D) More problem solving loans : as of June of 2022 more bridge loans are needed. FEDS raise rates again today JUNE 15th

Bridge – Hard Money (50-250K ) , no appraisal needed to close

Bridge program 2 : (250k ) , up to 70% ARV,

Our basic hard /private money is not credit driven , although to get sub 11% , 650 credit is needed.

SECTION 3 ) DOCUMENTATION TYPES BY LOAN:

Types of loan Documentation and expected LTV and Rate ranges for Investment property morgages.

full doc (conventional type loans – rates from 3’s)

alt – lite doc (Bank Statement, portfolio loans , rates from 4s’)

Non Conventional – Non QM investor loans & Mortgages: rates from 5s ,

stated income

no DSCR loans (This means no rental income analysis ) Some call “no ratio” lending

660 is probably min credit score for low rate long term funding.

No Credit , low credit or any credit under 660 , We can fund your loan but there are more limitations on LTV and cashflow- Do you have cash flowing property – 60-70% ltv, there is a solution?

Note***If you have below 680 credit many lenders will not be able to offer financing. Ask about our “portfolio problem solver” loan. Case by case review based on overall property LTV, cash flow and location. Borrower credit score not deciding factor but should have personal cash flow and recent good credit – ask us – 214 824 0417

******NEW PROGRAMS – AND OTHER LOANS for INVESTORS ,FLIPPERS, LANDLORDS

***** NEW BRIDGE loans *** 1-2 year bridge loans rates from 7- 9% , 200k – 1.5 million in Texas and the Southwest, good for higher priced homes. No credit min, good for property that has loan coming due, or maybe doesnt cash flow properly now. Gives you time to remedy the short term situation.

*note DB Capital / Urban Coyote Holdings does not originate loans for primary residence , if you need some alternative , non bank loans , portfolio loans, we have separate company – Texasmortgageplace.com (problem solving loans for those who have 25% + down) “Portfolio loans for primary residence”