Non-QM Loan Programs

Non-QM Investor Residential Loan Programs

Equity Cap Lending provides active real estate investors and real estate entrepreneurs and landlords a long-term financing solution investor residential real estate loan requests known as Business Purpose Non-QM Loans. These loans can be secured against Single Family Residential, Condo's to Multi Residential 2-4 rental units. We have a breadth of Long-Term Financing options for Investor Residential Loan Programs from 30 Year DSCR Loans for single asset, a blanket loan of rental properties along with large portfolio loans for professional landlords. Our Business Purpose Non-Qm Loan suite also provides No DSCR Rental Loans along with providing long term financing for Foreign Nationals.

30 Year DSCR Loan

Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience and Credit.

30 Year No DSCR

Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience and Credit

Portfolio DSCR Loan

Equity Cap Lending provides active investor residential real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, P&L's or W2's. The 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience and Credit.

Short Term Vaction Rental/Air BnB Loan

Equity Cap Lending provides active real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years for Investor Vacation rentals that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Loan to Value, real estate experience and Credit.

Foreign National Non-QM Loans

Equity Cap Lending provides active Foreign National real estate investors and real estate entrepreneurs Long Term Financing up to 30 Years that is not qualified by Tax Returns, the 30 Year DSCR Loan product is based of Cash Flow of the subject property, Leverage of the Loan to Value, real estate experience. We also have a No DSCR/No Ratio Loan Product.