Residential Long Term (DSCR) Loans
We offer Residential Long Term Loan programs specifically for foreign national (non-US citizens) for residential real estate investors. This program is a low documentation, perfect for a fast purchases to either buy and hold or to refinance. Program qualification is based on property value and income, no FICO score required. No personal income, primary residence or experience is required. We also offer residential bridge or fix and flip hard money loans for foreign nationals.
| Loan Amount | $75,000 – $5 Million |
| Minimum Property Value | $115,000 or greater |
| Loan Term | 30 years |
| Purchase | Up to 80% LTV |
| Refinance | Up to 80% of the As-Is Value |
| Cash-Out | Up to 75% of the As-Is Value |
| Property Type | Long term and Short term Rental Property |
| Time to Close | 10 to 30 Days |
| Asset Classes | Non-owner Occupied 1-4 Family Residential Properties; Condos; Townhomes; Planned Unit Developments (PUDs) |
| Lien Position | First mortgage |
| Interest Rate | Varies depending on the market |
| Origination Fees | 2% (adjusted to loan size, timing, and complexity) |
| Minimum Credit Score | 660 |
| Amortization | Fully Amortized |
| Programs | 30yr Fixed, 5/1, 7/1, 10/1 ARM or Interest Only Options |
| Prepayment Penalty | Zero to 5yr Year declining or flat options |
A borrower seeking a long term DSCR loan must meet the following generally stated minimum requirements.
| Borrower Type | Corporations, Trust or Limited Liability Companies preferred |
| Borrower Liquidity | 9 Months of PITIA Reserves |
| Net Worth | Sufficient to support the loan and project scope |
Personal Documents
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Loan Application
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Experience Track Record
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Most Recent Bank Statement
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Passport
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Visa and Work Authorization (if applicable)
Property Documents
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Purchase Contract or Payoff (if applicable)
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Rent Roll & Leases
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For Work Completed (if refinance and applicable)
Business Documents
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Articles of Incorporation
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Operating Agreement (LLC) or Bylaws (Corp.)
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EIN Letter
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Certificate of Good Standing
We make it easy—download all the forms you need to start your loan application, hassle-free.
Real Estate Financing Made Simple
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Growing a Rental Portfolio
Flexible long-term loans for income-generating properties.
Flipping Properties
Fast capital for purchase, rehab, and resale.
Developing Commercial Projects
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
Ready to
Get Started?
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet