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Overview
Forward Flow Persona
Loan Programs
5/6 ARM Pro DSCR Loan
Term
360
Points / Fees: No prepayment penalty after year 3 (3/3/3 prepay option); features a lower floor rate and enhanced pricing
Amortization: 30-year amortization
Coverage: Nationwide
Features a 5-year fixed initial rate period adjusting every 6 months with lower starting rates and improved pricing. • No prepayment penalty after 3 years, making it ideal for rate timing, appreciation strategies, or planned exits.
DSCR Long-Term Rental Loan
Max LTV
80%
Term
360
Points / Fees: Standard origination fee is 1%; prepayment penalty options include 5-year step-down (5/4/3/2/1) or 3-year step-down (3/2/1)
Min Credit Score: 680
Amortization: 30-year fixed / fully amortized
Coverage: Nationwide (Entity required in GA, HI, IL, MA, NJ, NY, PA, VA; Zero PPP required in NM, OH, MD, PA, RI)
No personal income verification; qualification is based entirely on property cash flow (DSCR). • 30-year fixed terms with no balloon payments and options to borrow under an LLC or corporation.
DSCR Short-Term / Vacation Rental Loan
Max LTV
80%
Term
360
Points / Fees: Standard origination fee and prepayment penalty options (e.g., 5/4/3/2/1 or 3/2/1 step-down)
Min Credit Score: 680
Amortization: 30-year fixed / fully amortized
Coverage: Nationwide (Entity required in GA, HI, IL, MA, NJ, NY, PA, VA)
Designed specifically for vacation rentals (Airbnb, Vrbo, independent) using historical rental income or market projections. • Offers full 30-year fixed terms without balloon payments and corporate entity borrowing.
Rental360 Portfolio+ (Blanket Loan)
Term
360
Amortization: 30-year fully amortizing
Coverage: Nationwide
Bundles multiple single-family rental properties into a single 30-year fully amortizing blanket mortgage. • Requires only 30-day ownership seasoning before allowing cash-out refinancing.
Lending Criteria
- Max LTV
- 80%
- Min Credit Score
- 680
Summary across 4 loan programs.
Where We Lend
Lending footprint coming soon.
Property Types
Property type info coming soon.
Lending Professionals
Team info coming soon.
Company Information
Ryan Painter — Chief Operating Officer
Sources & Data Status
Profile data is compiled from public sources and has not been verified by the lender.
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