New Investor Loans from

Castle & Cooke Mortgage

Property ownership can be one of the most lucrative ways to invest, and a new loan program from Castle & Cooke Mortgage makes it possible for more and more borrowers.

This new program is available with relaxed qualifying standards and a different rate structure than our conventional, government, and jumbo loan offerings.

Investor loans vs. conventional loans

Conventional loans are a great financing tool for homeowners, but they come with some pretty strict qualifying standards—including loan limits set by the Federal Housing Finance Agency (FHFA).

To find out if you qualify to borrow as a homeowner, we’ll look at down payment amounts, employment history, credit history, and income.

Investor loans offer a different set of qualifying criteria, and they make it possible to invest even if you don't fit neatly in the conventional loan category.

  • Relaxed debt-to-income ratios
  • FICO as low as 620
  • Bankruptcy/foreclosure history allowed
  • No tax returns required

What is DSCR?

These loans also use a qualifying standard known as debt-service coverage ratio (DSCR). It gets pretty complicated, but it means we look at the cash flow of the subject property to determine your eligibility.

Property types

These loans can work for long-term rentals, short-term rentals, and even unusual properties.

To learn about loan amounts, specific criteria for your situation, and more, contact your loan officer with Castle & Cooke Mortgage.