Looking for DSCR Credit Unions (3-Month Seasoning) – Cleveland

Member since 2024 · 3 posts · 6 votes

Does anyone know a credit union that offers DSCR loans with strong terms?
I’m specifically looking for a lender that allows a 3-month seasoning period for a refinance.

Any recommendations or direct contacts would be greatly appreciated. Thanks in advance!

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Alfath AhmedBusiness Member

Real Estate Agent · Columbus, OH · Member since 2022 · 1k+ posts · 1k+ votes

9mo

Quote from @Valeria Gutierrez:

Does anyone know a credit union that offers DSCR loans with strong terms?
I’m specifically looking for a lender that allows a 3-month seasoning period for a refinance.

Any recommendations or direct contacts would be greatly appreciated. Thanks in advance!

I have a good lender that has a 3-month long seasoning period that does all of my refinances. I am happy to connect you with her. PM me.

[email protected]614-802-5698

ReafCo | Ahmed Group 534 Reviews

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Alfath AhmedBusiness Member
Real Estate Agent · Columbus, OH · Member since 2022 · 1k+ posts · 1k+ votes
9mo
Quote from @Valeria Gutierrez:

Does anyone know a credit union that offers DSCR loans with strong terms?
I’m specifically looking for a lender that allows a 3-month seasoning period for a refinance.

Any recommendations or direct contacts would be greatly appreciated. Thanks in advance!

I have a good lender that has a 3-month long seasoning period that does all of my refinances. I am happy to connect you with her. PM me.
[email protected]614-802-5698
ReafCo | Ahmed Group 534 Reviews
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Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes
9mo
Quote from @Valeria Gutierrez:

Does anyone know a credit union that offers DSCR loans with strong terms?
I’m specifically looking for a lender that allows a 3-month seasoning period for a refinance.

Any recommendations or direct contacts would be greatly appreciated. Thanks in advance!

Hi Valeria,
Happy to connect and assist
[email protected]818-269-7983
LuxePrivate Investments LLC 570 Reviews
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Samuel DioufBusiness Member
Real Estate Agent · Columbus & Cleveland, OH · Member since 2023 · 1k+ posts · 1k+ votes
9mo
Hey Valeria, I have a lender I use that doesn't have a seasoning period on refinances.
I'd be glad to share.
[email protected]614-662-1652
Reafco - Samuel Diouf528 Reviews
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Arman AhmedPro Member
Real Estate Agent · Columbus Cleveland Dayton, OH · Member since 2024 · 2k+ posts · 969 votes
9mo
Quote from @Valeria Gutierrez:

Does anyone know a credit union that offers DSCR loans with strong terms?
I’m specifically looking for a lender that allows a 3-month seasoning period for a refinance.

Any recommendations or direct contacts would be greatly appreciated. Thanks in advance!

Valeria, you’re asking the right question, and the details here matter more than the headline seasoning number. In real execution, the best DSCR outcomes with short seasoning usually come from lenders that are comfortable underwriting to stabilized cash flow and post-rehab value, not just time on title. I’d look for lenders that keep loans in-house, are flexible on how they view completed rehab and current rents, and are transparent about how they calculate DSCR and expenses. It’s also worth clarifying early whether the refi is limited by purchase price versus current value, how soon after rehab completion they’ll order the appraisal, and how reserves are handled. Those points tend to make or break whether a short-seasoning refinance actually works.
[email protected]614-418-6081
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