PERM Loans

The Fidelity Small Balance DSCR Loan offers a powerful financing solution tailored for single family residences (1-4 units) and select multifamily properties. Focusing on the property’s income-generating potential rather than the borrower’s personal income, this loan is ideal for investors seeking flexible, cash flow-based financing across various property types, including mixed-use (over 50% residential), industrial, retail, self-storage, automotive, and assisted living.

With loan amounts up to $5 million, this program provides both fixed terms (ranging from 5-to-30 years with 25-30 year amortization) and adjustable-rate options with interest-only terms from 5-to-10 years. DSCR requirements begin at 1.00 to 1.25x, allowing borrowers to leverage a range of financing solutions that align with their investment goals. Interest rates are competitive with flexible prepayment options available.

The Small Balance DSCR Loan empowers investors to maximize their real estate portfolio’s value with long-term stability and a streamlined approval process that eliminates the need for traditional income verification. Whether you’re financing a purchase, cash-out refinance, or rate-and-term refinance, this program provides the flexibility, support, and predictability needed.