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Single Family Residence Loan
Single Family Residence Loan
Financing Your Income-Producing Single-Family Residence with eQcho Capital
Investing in single-family residences (SFR) as income-producing properties can be a smart way to build long-term wealth. At eQcho Capital, we specialize in providing tailored financial solutions to help you leverage the full potential of your investment. Whether you’re purchasing your first rental property or expanding an established portfolio, our SFR loan options are designed to meet your specific needs.
Flexible Loan Terms for Every Investor
We recognize that every real estate investor has unique financial goals and timelines. That’s why we offer flexible loan terms of 10, 20, or 30 years, allowing you to choose the option that best suits your strategy. A longer loan term can mean lower monthly payments, providing more cash flow from your rental income, while a shorter term might allow you to pay off your loan faster and build equity more quickly.
Apply for Your Single Family Residence Loan Today!
The Importance of Debt Service Coverage Ratio (DSCR)
When it comes to financing income-producing properties, the Debt Service Coverage Ratio (DSCR) is a key metric that lenders use to assess the financial viability of a loan. For single-family residences, we require a DSCR of 1.1, which means that your property must generate at least 1.1 times the amount needed to cover its debt obligations. This ratio ensures that your property produces sufficient income to comfortably meet your loan payments, reducing the risk of default and helping you maintain a healthy cash flow. For multi-family and commercial properties, the required DSCR is slightly higher at 1.15, reflecting the different dynamics of larger-scale investments. By maintaining these standards, eQcho Capital helps you secure financing that aligns with your property’s performance and ensures long-term success.“Wow, a big thank you, Eqcho Capital. Robert was fantastic to work with. He was persistent in getting the job done, coordinating with the appraisal, underwriting, and the title company. Robert’s group at Eqcho Capital did a great job. I’m extremely satisfied and would highly recommend Eqcho Capital as a funding resource. Looking forward to working with Robert and Eqcho Capital in the future.”
Terms, Interest Rates, Loan Amounts, LTV & Guarantee Info
- Term Options: We offer loan terms of 10, 20, or 30 years, allowing you to choose the duration that best aligns with your financial strategy. Longer terms can provide lower monthly payments, which can be especially beneficial for properties with stable, long-term income streams.
- Interest Rates and Points: Our loans are offered at market rates with competitive points, ensuring that you receive fair and transparent pricing. We monitor the market closely to provide you with the most favorable terms possible, helping you keep your costs low while maximizing your property’s profitability.
- Loan Amounts: Whether you need a loan as small as $3 million or as large as $100 million, eQcho Capital can accommodate your financing needs. This wide range ensures that we can support projects of various scales, from smaller apartment buildings to large multi-family complexes.
- Loan to Value (LTV): With an LTV of 65%, you can leverage a significant portion of your property’s value while maintaining a healthy equity cushion. This balance helps protect both you and your investment, ensuring that you are not over-leveraged in your financial commitments.
- Personal Guarantee and Liquidity Requirements: As part of our commitment to responsible lending, we require a personal guarantee amounting to 10% of the loan value in liquidity. This requirement demonstrates your commitment to the investment while providing us with assurance of your financial capability.
Why Choose Us?
At eQcho Capital, we’re dedicated to helping real estate investors achieve their goals. Our expertise in the SFR market, coupled with our flexible loan terms and competitive rates, makes us the ideal partner for financing your income-producing properties. We understand the challenges and opportunities that come with owning rental properties, and we’re here to provide the financial tools you need to succeed.
Whether you’re looking to acquire a new property, refinance an existing loan, or fund renovations, eQcho Capital is committed to supporting your investment journey. Explore our SFR loan options today and find out how we can help you turn your real estate vision into reality.