Not every real estate investor qualifies under traditional DSCR guidelines. A borrower may have substantial equity but still face obstacles such as a low credit score, mortgage lates, recent bankruptcy, or negative cash flow.

That's where Champions Funding's Equity First DSCR program comes in. Instead of relying on a minimum credit score or DSCR calculation, Equity First focuses on one thing: equity.

Whether your borrower is purchasing an investment property, refinancing out of a hard money loan, or accessing equity through a cash-out refinance, Equity First provides another path to financing when conventional DSCR loans aren't an option.