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Single Property Rental

Ross Commercial Capital Group 
Makes Rental
Loans Easy

Ross Commercial Capital Group Single Property Rental loans provide a reliable funding source for landlords against cash-flowing 1-4 family houses.

Single Property Rental Terms

Property Types

Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

Loan Type

30-Year Fixed Rate Mortgage (Fully Amortizing)
5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)


Full Recourse Only

Term Length

30 Years

Maximum Loan To Cost

If Owned less than 3 months: 80% of Total Cost Basis
If Owned between 3 and 6 months: additional 5% haircut on Max Eligible LTV

Maximum Loan To As-Is Value
(Subject to Minimum FICO)

Purchase/Rate-Term Refinance: 80%
Cashout Refinance: 75%

Minimum Debt Servie Coverage Ratio

1.10x (Gross Rent/PITIA)

Minimum Guarantor FICO

Mid-Score of 660

Lease Requirements

Leased Units: Lower of (i) In-Place Rent & (ii)
Market Rent
Unleased Units: 90% of Market Rent
(Purchase Loans only)

Quick and easy

Generate term sheets fast with an automated loan pricer.

Borrower-friendly loan options

Fixed rate and hybrid ARMs, up to 10-year IO periods, easy step down prepayment penalty options.

Flexible rates and terms

With common-sense underwriting and concierge service from our team of experts, you will always get the loan that works best for you.

Loans for Professional Residential 
Real Estate Investors

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