Fast-Close DSCR Loans (AVM, No Appraisal Required)

A handful of non-QM DSCR lenders accept AVM (Automated Valuation Model) reports in place of a full appraisal on lower-LTV loans, typically under $250-$400K. AVM eliminates the 2-3 week appraisal scheduling window and gets the deal closed in 10-14 days. Useful when a competing investor or seller-financing deadline is tight.

Highlights

  • AVM in place of full appraisal on qualifying loans
  • Typically loans <$250-$400K with 70-75% LTV
  • 10-14 day close possible vs 21-30 day standard
  • Saves $500-$800 appraisal cost
  • Specialty lender pool

Who it's for

Investors in competing offer situations, BRRRR refis where the property is well-priced and the AVM confidence is high, and sub-$250K rental purchases where the full appraisal cost cuts into deal margin.

Active programs that fit

Non-QM Investor Loan

confirmed 5/10/2026

Closed-end second mortgage program for primary, secondary, and investment homes, offering fixed terms and cash-out options without refinancing the first lien.

FICO 660+LTV up to 90%full-doc, 12mo-bank-stmt

Bridge Loan for Investors

confirmed 5/20/2026

Short-term bridge financing for investment properties including SFR, multi-family, retail, and industrial assets with no appraisal required.

LTV up to 65%no-doc

Specialized Investor Loan Program

confirmed 5/15/2026

A closed-end second lien mortgage program allowing borrowers to access home equity without refinancing their existing first mortgage, available for primary, secondary, and investment properties.

FICO 660+LTV up to 85%full-doc

Fix & Flip Loan for Investors

confirmed 5/10/2026

Hard money financing for real estate investors covering up to 100% of purchase and rehab costs, limited to 70% of the after-repair value.

Specialized Investor Loan Program

confirmed 5/13/2026

A fixed-rate second lien program for primary, secondary, and investment properties with full documentation, credit scores from 660, and loan amounts up to $500,000.

FICO 660+LTV up to 85%full-doc

Fix & Flip Loan for Investors

confirmed 5/14/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

Specialized Investor Loan Program

confirmed 5/9/2026

Fixed-rate second lien mortgage options for primary, second, and investment properties, allowing borrowers to access equity without refinancing their existing first mortgage.

FICO 660+LTV up to 85%full-doc

Specialized Investor Loan Program

confirmed 5/9/2026

A flexible HELOC program for primary, second homes, and investment properties with up to 95% CLTV and no initial draw requirement.

FICO 640+LTV up to 95%alt-doc

Specialized Investor Loan Program

confirmed 5/9/2026

A fixed-rate second lien program offering up to 85% CLTV for primary and secondary homes, and 75% CLTV for investment properties, with credit scores starting at 660.

FICO 660+LTV up to 85%full-doc

DSCR Loan for Investment Properties

confirmed 5/15/2026

A closed-end second lien loan option that supports various income documentation types or DSCR qualification for cash-out needs.

LTV up to 85%DSCR 1+12mo-bank-stmt, 24mo-bank-stmt

Non-QM Investor Loan

confirmed 5/19/2026

A closed-end second lien mortgage program available for owner-occupied, second home, and investment properties with fixed-rate terms of 10, 20, and 30 years.

FICO 660+LTV up to 90%full-doc, 12mo-bank-stmt

Frequently asked questions

What is an AVM in DSCR lending?

AVM (Automated Valuation Model) is a software-generated property valuation using comparable sales data. Lenders accept AVM in place of a human appraiser on lower-LTV loans where the AVM confidence score is high.

What LTV qualifies for AVM-only?

Typically 70-75% LTV on loans under $250-$400K. Above those thresholds or at higher LTV, most lenders require a full appraisal.

Can I close a DSCR loan in 10 days?

Yes, on AVM-eligible scenarios with a clean borrower file (LLC, insurance, lease, hazard, title) and no pending issues. The bottleneck on a DSCR close is typically the appraisal - removing it compresses the timeline meaningfully.

Got a fast-close dscr scenario?

Tell us the deal - we'll match you with the right lender and come back with current pricing.