Rent to Retirement | Blog

Real Estate Investors — Maximize Your Cash Flow with the New DSCR HELOC!

Written by Rent To Retirement | Jun 4, 2025 2:00:00 PM

We know how important liquidity is when growing your real estate portfolio. That’s why we’re
excited to introduce the DSCR HELOC, a game-changing solution that allows you to tap into
your existing equity with maximum flexibility and investor-friendly terms.


HELOC Highlights:

  • Up to 85% CLTV (Full Doc, Alt Doc, and DSCR options)
  • Available for Owner-Occupied, Second Homes, and Investment Properties
  • Use for Purchases, Rate/Term Refinances, or Cash-Out Refinances
  • Fixed Terms available: 10, 20, or 30 Years
  • Loan amounts up to $750,000
  • Minimum Credit Score: 660
  •  Non-Warrantable Condos accepted
  • Inexperienced Investors Welcome (up to 80% CLTV)


Flexible Income Options for Investors:
✅ Long-Term Lease Income: Up to 85% CLTV with 720 FICO
✅ Short-Term Rentals (STR): Available for experienced investors with a 5% LTV reduction
✅ Bank Statements & Asset Utilization: 85% CLTV with 720 FICO
✅ One-Year Self-Employed: 80% CLTV with 720 FICO
✅ DSCR Loans: 1:1 or better

Why Choose the DSCR HELOC?
✔️ Access liquidity without disturbing your first mortgage
✔️ Invest in new opportunities faster
✔️ Consolidate debt or improve property cash flow
✔️ Benefit from fixed payments and terms tailored for long-term strategies

Ready to put your equity to work?
Contact your team of home loan experts at BluPrint Home Loans today and see how the DSCR
HELOC can help you scale faster, smarter, and with more flexibility!


And if this isn’t the right program for you, we have over 4,000 loan programs, allowing us to
find the ideal fit for each scenario. We’re the strategic partner to help you reach your real estate
investment goals. We have the experience and expertise to guide and advise you, and our
financing process is simple and painless.



Ready to explore your financing options or map out a strategic plan to achieve your goals?
Contact us now and take the next step.



NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair
Company to learn more. Equal Housing Lender. MLO State Licensing Information AL 75055, AZ 1006851, CA-DBO259158, CO 100517061, CT LO-259158, DC
MLO259158, FL LO68229, GA 70898, ID MLO-2080259158, IL 031.0059605, KS LO.0044062, MC717409, LA 2893, MA MLO259158, MI 259158, MN-MLO-
259158, NH, NJ, NM, NC I-188794, OH MLO-OH.259158, OR 2893, PA 74721, RI, SC MLO-259158, TN 239725, TX, VT VT259158, VA MLO-43904VA, WA
MLO-259158, WV LO-259158, WI 259158, WY 101654. NFM Lending, LLC is not affiliated with any real estate companies. You are entitled to shop around for the
best lender/real estate company for you. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a
mortgage loan. The loan application approval will only be given when the property appraisal, title search, and other verifications are complete. Additional financial
documentation may be necessary. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is
subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting
requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. BluPrint Home
Loans is a Division of NFM Lending, LLC dba NFM Lending. (www.bluprinthomeloans.com and www.nfmlending.com) NFM Lending NMLS #2893. For NFM
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Lending. America’s Common Sense Lender® Trade/service marks are the property of NFM, Inc. and/or its subsidiaries. Licensed by the Department of Financial
Protection and Innovation under the California Residential Mortgage Lending Act. BluPrint Home Loans is located at 607 N Vulcan Ave, Unit 6, Encinitas, CA
92024.