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Loan Programs
DSCR Criteria
- Minimum DSCR of 1.25x required for all residential and commercial properties.
- Strict verification of income and cash flow statements.
- Property must be fully occupied or have a proven rental history.
- Maximum loan-to-value (LTV) ratio of 75%.
- Debt service coverage ratio must be maintained throughout the loan term.
Fix-and-Flip Criteria
- Property must be in a high-demand market with proven appreciation potential.
- Minimum 12 months of documented repair and renovation history.
- Target ARV (After Repair Value) must exceed the current market value by 15%.
- Strictly limited to single-family residential properties.
- Investors must provide a detailed project plan and budget.
DSCR • LTV • ARV • Debt Service Coverage Ratio • Fix-and-Flip • Competitive Rates • Efficient Service •
Our Mission
Empowering Real Estate Investors with Specialized Financing
JNA Lending is dedicated to providing serious investors with the financial tools they need to succeed. We specialize in DSCR and fix-and-flip financing, ensuring that every project is backed by competitive rates and efficient service. Our mission is to bridge the gap between high-growth real estate opportunities and reliable capital, fostering a market where investment is as secure as it is profitable.
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