DSCR Financing

First & Last Name:

Contact Number:

Email Address:

Full address including city, state, zip & county: (Where you currently live)

How long have you lived at this address?

Address Type:

Own

Rent

How much you pay per month in rent or mortgage?

Date of Birth:

Social Security Number: (We must pull your credit)

Estimated Credit Score:

Borrower Race:

List the names and ages of all dependents. (If none, put N/A)

Requested Loan Amount:

Enter the full address of the subject property including the City, State & Zip:

Property Type:

Total Square Footage:

Total amount of Units:

Annual Taxes:

Annual Property Insurance:

Is this a Refinance?

No, this is a purchase (Skip this page)

Yes, I will complete this page

Month and Year of purchase:

Original Purchase Price:

Current Mortgage Balance/Payoff:

Upload payoff here:

Monthly Mortgage Payment: (If Free & Clear, put Free & Clear)

Current Value: (You can go to Zillow.com to get a Zestimate)

Upload Appraisal Report here:

Upload latest mortgage statement:

Is this a Purchase?

No, this is a refinance (Skip this page)

Yes, I will complete this page

Purchase Price:

Upload Sale's Contract here:

Employment Status:

Employed - W2

Employed - 1099

Business Owner

Don't work

The next 10 QUESTIONS is for Employment: (Put N/A if you don't work) 1. Full Name of Employer or Business Name:

2. Full address including City, State & Zip:

3. Contact number:

4. Job Title:

5. Start Date:

6. Monthly Income:

7. If you own your own business, complete this page, if not, go to the next page: Enter the state of Incorporation your company is registered in:

8. Company's Website:

9. EIN:

10. List all Owners and percentage of ownership: (Must equals to 100%)

Is there a Co-Borrower?

No, there is no Co-Borrower

Yes, there is a Co-Borrower and he/she will complete their application next

Yes, I am the Co-Borrower & this is my application

If so, put their full name here or put N/A: (If you are the Co-Borrower, put the Borrower's full name here)

Are you a 1st-Time Investor?

Yes

Which program are you applying for? (View guidelines on our website)

Bronze Series

Silver Series

Gold Series

Platinum Series

There will be a one-time Tri-Merge Credit Report fee of $57 per borrower & you’ll be re-directed to the site pay after completion of this application. PhoneOps has to pull your credit to see what you qualify for. Do you understand?

Yes, I will pay $57 after completing this application

NOTE: If your credit is lock, you must unlock your credit from all 3 Credit Bureaus after you pay your invoice & keep it unlocked until we pull your credit to avoid paying another Invoice Fee of $57 per person. Do you understand?

Yes, all 3 Credit Scores are Unlocked. PhoneOps may pull my Credit

Provide a full scenario of what you want to do and include any special situations or concerns:

Enter the name of the person that sent you to this site to place your file as "Priority".

Checking this box means you agree to our terms which are: 1: You willingly applied online to one of PhoneOps mortgage loan programs and will complete the 3-Step Process for potential loan approval. 2: You agree that PhoneOps must pull your credit. 3. You agree that your credit is unlocked. 4. You agree that the one-time Tri-Merge Credit Report fee of $57 is NON REFUNDABLE.

Human Check

6 + 4 =

DSCR FINANCING

ATTENTION INVESTORS!

You have been invited to take advantage of PhoneOps Debt Service Coverage Ratio Program, (DSCR Program). This wonderful program is designed for:

Single-Family

Rentals

Multi-Family

Up to 10 Units

Mix Use

Up to 8 Units

Condotels

And Co-Ops

Rural Properties

Up to 20 Acres

Short-Term Rentals

To BRRRRs

If you fall into one of the above, then our program is great for you. PhoneOps DSCR Program is only available for serious investors that are ready to move forward with a loan now!

PHONEOPS DSCR PROGRAM IS AVAILABLE NATIONWIDE

EXCEPT: AZ, CA, ID, MN, ND, SD, NV, OR, UT, VT.

GUIDELINES:

This program has standard guidelines and here’s just a few:

Loan Amounts:

$75K to $3.5M+

LTV: Up to 85%

Purchase and R/T

LTV: 75%

Cash Out

Minimum FICO:

640

Term:

Up to 30yrs

Funding:

As soon as 7 days

Download the full Guidelines to better understand if your project is a good fit:

MINIMUM REQUIREMENTS:

* Must be able to show proof of income

* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $57

* A valid Driver’s License or State ID

* Must have a Checking Account

* A Social Security number

DSCR Loan – Online Application