Program Highlights:

SCR specializes in

SCR Standard Program

• Loan amounts of $500,000 to $7,500,000+.
• Closings in 45 to 60 days from pre-approval to acceptance.
• 3 to 10 year fixed rate programs with 30 year term.
• Up to 40 year amortization.
• Very favorable pre-payments.

SCR No Doc/No Ratio Program

• Loan amounts of $100,000 to $2,500,000.
• No verification of income, assets, or liquidity.
• Very favorable pre-payments.
• Minimum 620 credit score.
• Up to 100% CLTV    

Sound Capital Conduit Alternative

• Loan amounts of $500,000 to $7,500,000+.
• 10 year fixed rate, up to 30 year term.
• Purchase, Rate & Term Refinance or Cash Out Refinancing.
• Better quality properties.
• Minimum 700 credit score.
• No Lockout period.

Sound Capital Conduit Program

• Loan amounts of $500,000 to $10,000,000+.
• 5, 7, or 10 year term, up to 30 year amortization
• Purchase, Rate & Term Refinance or Cash Out Refinancing.
• Better quality properties.
• Non-recourse with standard “carve-outs”.

Sound Capital Express

• Loan amounts of $100,000 to $2,000,000.
• Fast closing, usually within 30 to 45 days.
• Program is appraisal & credit score driven - Scores of 580 still qualify.
• Debt Service Coverage as low as 0.90x
• Fixed rate terms range from 3, 5, 7 to 10 years.

Sound Capital Appraised Rent Program

• Loan amounts of $500,000 to $7,500,000+.
• Allows appraised rents to be used for income estimate.
• Debt Coverage Ratio (DCR) of 1.15.
• Market vacancy cannot exceed 8%.
• 3, 5 and 7 year programs available.
• Excellent pre-payments.