Debt-service coverage ratio mixed-use & multi-family loan (DSCR)

Whether you’re purchasing your first mixed-use investment property or expanding your real estate holdings, Quontic is here to help simplify the financing process. As a Community Development Financial Institution (CDFI), we focus on the prospective cash flow of the property and your good credit – to traditional income documentation – to determine eligibility for our DSCR Mixed-Use loan. Let us help you turn your investment goals into reality with a streamlined, hassle-free loan process.

Or, speak to a mortgage specialist.

What you need to know about DSCR Mixed-Use & Multi-Family loans

No Personal Income Documentation Required

Qualify based on the property’s cash flow – not your personal income. We focus on rental income to determine eligibility, making financing simpler and more accessible.

First-Time Investors Welcome

For those new to real estate investing, our Multifamily 5-10 Units program is available if you have a strong housing history (0x30x24) or own your primary residence free and clear.

However, Mixed-Use 2-8 Units properties require prior experience – borrowers must have owned and managed commercial or residential real estate for at least one year within the last three years.

Flexible Property Eligibility

Our DSCR Mixed-Use Loan is designed for properties with both residential and commercial components, giving you more opportunities to invest in diverse real estate assets.

Streamlined Loan Process

As a Community Development Financial Institution (CDFI), we offer a hassle-free, common-sense approach to lending – helping you close deals faster and with less paperwork.

Loans designed for real estate investors

Qualify using subject property income ONLY

No tax returns or W2’s required

Corps or LLC accepted

Recognized as a top mortgage lender

Quontic’s loan officers help make the loan process simple and seamless. With mortgage experience across multiple loan programs spanning decades, they are a diverse and multi-lingual team ready to walk you through each step of the mortgage process. And with hundreds of 5 star reviews from our customers, you can trust you’ll get a customized experience that makes your purchase or refinance goals a reality.

Mission driven & federally certified

As a federally chartered digital bank and US Treasury designated Community Development Financial Institution (CDFI), we’re one of only a few mortgage lenders that can offer these types of home loans. Our mission is to level the lending playing field by making mortgages more equitable for communities that need them. Learn more about our unique CDFI designation here.

"The team I worked with at Quontic are awesome! Their efforts made it happen that I purchased my first investment property! Great team!!! Highly recommended!!!"

"I worked with Quontic to purchase an investment property. It was a challenging purchase which they managed exceptionally well. I was well informed by the team on all my options as well as how the process would work. They were honest, competitive, and worked hard to not only earn my business but to keep it as well! I highly recommend Quontic including my Loan Officer and his team and will use them again in the future."

"Despite having a substantial down payment and excellent credit score, I was turned down by other institutions because I did not meet their income requirements, so I called Quontic Bank. They specialize in loans that are made for investors or buyers who cannot meet conventional mortgage requirements. Thank you, Quontic."

"I had a great experience with my loan officer. Everyone was responsive, thorough, and professional. They were able to provide a loan based on my specific needs, which was not possible through other lenders. Highly recommend and will be coming back again in the future."

"Our Loan Officer provided exceptional customer service and complete transparency throughout the entire loan process. Even in this challenging environment, they were able to get my loan approved in the timely fashion I required. I was extremely satisfied with the entire process and would highly recommend them to anyone looking for a home loan."

Disclaimer:

¹All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of August 15, 2024 & is subject to change without notice.

²The Federal Housing Agency based on single unit as of August 15, 2024

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