Welcome to Mesa Investment Lending, LLC
DSCR Loan Product
Our DSCR loan is designed for real estate investors looking to qualify based on property cash flow rather than personal income. Ideal for rental property investors, this loan solution offers flexibility and efficiency, helping you expand your portfolio with ease.
- Qualification Based on Cash Flow: Approvals based on the property’s cash flow, not personal income.
- Simplified Process: Minimal documentation requirements.
- Substantially Lower Rates: Competitive interest rates significantly lower than standard asset-based loans.
- Flexible Loan Amounts: Ranges from $150,000 up to $5,000,000, depending on property and location.
- No Employment Verification: Ideal for self-employed investors or those with complex income streams.
- Property Types: Single-family, 2-4 units, and condos.
- Minimum Credit Score: Middle score of 680 or higher.
Stated Income Loan Product
This loan product offers an attractive fixed-rate structure with a 5-year interest-only period, tailored for investors who need flexibility in qualifying requirements and repayment options. Perfect for both residential and commercial real estate, it provides significant cash-out opportunities and a streamlined qualification process, ideal for short-term rentals, foreign nationals, and investors looking for alternative financing solutions.
- Minimal Qualification Requirements: No DSCR, DTI, or income documentation required; all you need is a 650+ FICO score and a driver’s license.
- Low Documentation: Stated income only; no income verification needed.
- Short-Term Rentals Allowed: Suitable for AirBnB and other short-term rental properties.
- Foreign Investors Welcome: Open to foreign nationals and non-residents.
ARV Loan Product
Our ARV loan is crafted for investors focused on acquiring and improving properties, offering financing based on the property’s future value after repairs. This loan product provides the flexibility to purchase and renovate properties without the burden of income verification, making it an ideal choice for new investors and non-traditional borrowers.
- Eligibility for 1-4 Family Properties: Supports single-family and multi-unit residential properties.
- Accessible to All Types of Investors: First-time investors, foreign nationals, and ITIN holders are welcome.
- Flexible Credit Requirements: Minimum FICO of 500 (with a 10% LTV reduction for FICO scores in the 500 range).
- Generous Loan-to-Value Ratios: Up to 70% LTV for purchases and 65% LTV for cash-out refinances.
- High Loan Amounts: Ranges from $300,000 to $10 million, accommodating both small and large-scale projects.
- No Income or Reserves Required: Streamlined approval process with minimal documentation.
- Rural Property Eligibility: Accepts rural properties up to 10 acres.