Keep Your First Mortgage & Access Your Equity | DSCR Second Mortgage

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Keep Your First Mortgage & Access Your Equity | DSCR Second Mortgage

Erik EstradaBusiness Member
Lender · Member since 2022 · 6k+ posts · 1k+ votes

Have a rental property with equity but don’t want to refinance out of your existing first mortgage or give up a low interest rate?

Our Equity Advantage DSCR Second Mortgage may be the solution.

This closed-end second mortgage is specifically designed for real estate investors and qualifies primarily using the cash flow of the subject property.

Program Highlights:

✅ No personal income documentation required
✅ No employment documentation required
✅ Qualification based on property cash flow
✅ Minimum DSCR ratio: 1.00
✅ Loan amounts from $75,000 to $500,000
✅ Minimum FICO: 680
✅ Up to 80% CLTV
✅ SFRs, PUDs, townhomes & 2–4 units
✅ AVM options available on qualifying loans under $400K
No reserves required

This can be a strong option for investors who need capital but would rather keep their existing first mortgage intact.

⭐ Review our Google Reviews and BiggerPockets reputation before sending us your scenario.

Quick Pricing / Scenario Review:
https://docs.google.com/forms/d/e/1FAIpQLSdUr5ui3ZNpf5R5yo0iL4CSbGC4tW3naKxemm9lxoQG3TgNzg/viewform

🌐 https://luxeprivateinvestmentsllc.com
📞 818-269-7983
📧 [email protected]

LuxePrivate Investments LLC 572 Reviews
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  • Cleveland, OH · Member since 2026 · 40 posts · 5 votes
    1w

    Love seeing second mortgage DSCR products hitting the market to protect those low-rate firsts! 👏

    One quick tip for investors looking to utilize that 1.00 minimum DSCR: operating with zero cash flow buffer means your underwriting has to be absolutely flawless. If you rely on a lazy pro-forma and get hit with a hidden expense (like a post-closing tax reassessment), you will instantly go negative on your cash flow.

    You have to run your expenses line-by-line. We built a free guide showing out-of-state investors how to run the real math so they know their true DSCR before tapping their equity.

    Grab the free eBook here to run your numbers before applying: https://hcgturnkey.com/buy-where-the-math-works

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