As a real estate investor, understanding the dynamics of financing can be the difference between securing a good deal and maximizing your ROI. One of the key aspects many investors overlook is Loan-Level Price Adjustments (LLPAs)—factors that directly affect the interest rates you’re offered on DSCR (Debt Service Coverage Ratio) loans. At Ternus, we’re committed to helping investors navigate these adjustments and secure the best terms possible.
Whether you’re a seasoned pro or just getting started in real estate, it’s crucial to understand how lenders assess risk and determine pricing. That’s where Ternus excels—by providing transparent, reliable financing solutions tailored for real estate investors. In the embedded video below, I walk you through the process of DSCR loan pricing and explain the key factors that influence rates. Check it out to gain actionable insights and strategies you can use to optimize your next loan.
What Makes Ternus Different?
At Ternus, we don’t just offer loans—we build relationships. As an investor, you need a lending partner who understands your goals, the challenges you face, and the nuances of DSCR loans. With over a decade of experience, Ternus is uniquely positioned to provide fast, dependable financing options, tailored to meet the specific needs of real estate investors.
Unlike traditional lenders, Ternus specializes in business-purpose loans for legally established entities. This means we offer financing solutions specifically for investors, including DSCR loans, fix and flip loans, hard money loans, bridge loans, ground-up construction loans, and portfolio blanket loans.
When you work with Ternus, you’re working with a team of experts who prioritize speed, transparency, and flexibility—qualities that make a world of difference in today’s competitive real estate market.
Why DSCR Loans Matter for Real Estate Investors
DSCR loans are a powerful tool for real estate investors because they allow you to leverage rental income to secure financing, without relying on your personal income or financial statements. But to get the best deal, it’s essential to understand the key factors that drive your loan’s pricing. These factors include:
- FICO Score: Small differences in your credit score can significantly impact your rate.
- Loan-to-Value (LTV): Lower LTVs result in better terms, while higher LTVs can increase your rate.
- DSCR: Properties with a DSCR of 1.25x or higher are seen as less risky and receive better rates.
- Transaction Type: Cash-out refinances typically carry higher interest rates than acquisitions or rate-term refinances.
- Prepayment Penalties: Opting for a longer prepayment penalty can lead to better pricing.
At Ternus, we take the time to explain these factors to you, ensuring that you’re fully informed and can make the best financing decision for your portfolio. We’re here to help you minimize costs and maximize profits.
Watch the Webinar to Learn More
In the video below, I go into greater detail about how these factors affect your DSCR loan pricing. Watch the full webinar to gain a better understanding of how you can use Ternus’ financing products to grow your real estate portfolio. Whether you’re looking to refinance, purchase, or pull cash out, we’ve got you covered.
Ready to Work with Ternus?
If you’re ready to take control of your financing, reach out to the team at Ternus today. With fast closing times, flexible loan options, and a commitment to investor success, we’re here to help you achieve your real estate goals.
Contact us at https://www.ternus.com or give us a call at (214) 471-5557. Let’s get started!
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