COIN — Orion’s Cashflow Only Investor Loan — is engineered for real estate investors who demand flexibility and speed. With DSCR as low as .75, income documentation not required, and powerful loan options, COIN helps brokers and investors close deals confidently and rapidly.

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Why COIN DSCR Stands Out

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Designed for both first-time and seasoned investors, COIN delivers unmatched flexibility:

• DSCR down to .75 — cash flow qualifies loans, not borrower income
• No employment or income disclosures required
• Short-term rental income allowed — including purchase transactions
• Maximum loan amount up to $3.5M; cash-out up to $1.5M used as reserves
• Long amortizations: fixed or IO options up to 40 years, ARMs available
• 80% max LTV (75% for certain tiers)
• Minimum FICO: 620; highest mid-score used for pricing
• Gift funds permitted; manual underwriting flexibility
• No state licensing required in most states (39+ included)
• New appraised value allowed after 6 months
• No limit on financed properties; first-time investors and homebuyers welcome

Benefits of COIN DSCR for Brokers & Investors

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• Speed to close: COIN removes borrower income verification and long wait periods
• Greater deal eligibility: With a loan structure based solely on property cash flow
• High leverage options: Up to 80% LTV, with cash out and reserve flexibility
• Wide borrower credit acceptance: Lower credit hurdles (620+ FICO), manual underwriting allowed
• Broad property coverage: Including short-term rental and mixed-use properties
• Scalability for investors: No cap on number of financed units or properties
• Proven success: COIN Fuel DSCR program is cited for strong investor adoption and solid pricing strategy

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Ideal Candidates for COIN DSCR

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COIN DSCR empowers:

• Real estate investors who rely on property cash flow, not W 2 income
• Buyers operating under LLC or 1031 exchange structures
• Borrowers needing flexible DSCR thresholds (as low as .75)
• Clients investing in short-term rentals, multi unit or mixed-use properties
• Borrowers with 630+ credit, without conventional income documentation
• First-time investors looking to build leverage or scale holdings

Get Approved

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Partner with the best lender in the galaxy.

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Orion Lending is here to assist brokers and borrowers nationwide. Start the journey with a program built to close faster, fund smarter, and help more people into homes. Start the application process.