DSCR – Loan Application [DH]

Thank you for taking the time to complete your Loan Application for your DSCR transaction. Please review the notes below before getting started:

• The application takes approximately 15 minutes to complete.

• You may use Save and Continue at any time (located at the bottom of the form).

• A Borrower is any individual providing a personal guaranty. Do not include individuals who are not guarantors.

• In the REO (Real Estate Owned) section, list only properties that appear on your personal credit report. Properties not reflected on your credit report do not need to be included.

• Providing accurate and detailed information helps us tailor your experience and move toward a timely clear to close.

• If you need assistance at any point, you may request a call with our team

Borrower Information

This section collects personal information and must be completed by the individual serving as the Borrower on the deal. A Borrower is any individual who will be providing a personal guarantee on the loan. If someone will not be providing a guarantee you do not need to put them

Borrower 1(Required)

First Middle Last Suffix

Alternate Name - Borrower 1

List any names by which you are known or any names under which credit was previously received (First, Middle, Last, Suffix)

Social Security Number - Borrower 1(Required)

Date of Birth - Borrower 1(Required)

MonthMonth123456789101112

DayDay12345678910111213141516171819202122232425262728293031

YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920

Citizenship - Borrower 1(Required)

U.S CitizenPermanent Resident AlienNon-Permanent Resident Alien

Marital Status - Borrower 1(Required)

MarriedSeparatedUnmarried

Number of Dependents - Borrower 1(Required)

012345678910

Ages of Dependents - Borrower 1(Required)

Type of Credit(Required)

I am applying for individual credit.I am applying for joint credit.

Add an Additional Borrower?(Required)

NoYes

Reminder - a Borrower is any individual who will be providing a personal guarantee on the loan. If they are only an entity member they do not need to be added.

Borrower 2(Required)

Please complete for the second borrower on the deal

First Middle Last Suffix

Social Security Number - Borrower 2(Required)

Date of Birth - Borrower 2(Required)

MonthMonth123456789101112

DayDay12345678910111213141516171819202122232425262728293031

YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920

Citizenship - Borrower 2(Required)

U.S CitizenPermanent Resident AlienNon-Permanent Resident Alien

Marital Status - Borrower 2(Required)

MarriedSeparatedUnmarried

Number of Dependents - Borrower 2(Required)

012345678910

Ages of Dependents - Borrower 2(Required)

Credit and Background Authorization - Borrower 1(Required)

By submitting this application, you certify that all information provided is true, complete, and correct to the best of your knowledge. You hereby authorize us, in your individual capacity and not as a representative of any entity, to obtain an initial soft inquiry of your consumer credit report, to obtain a hard inquiry of your consumer credit report, and to conduct a background check, including identity, fraud, and related verification.

I Acknowledge and AuthorizePlease Contact Me

Credit and Background Authorization - Borrower 2(Required)

By submitting this application, you certify that all information provided is true, complete, and correct to the best of your knowledge. You hereby authorize us, in your individual capacity and not as a representative of any entity, to obtain an initial soft inquiry of your consumer credit report, to obtain a hard inquiry of your consumer credit report, and to conduct a background check, including identity, fraud, and related verification.

I Acknowledge and AuthorizePlease Contact Me

Two Year Residential History - Borrower 1

We will need to have a full 24 months of Residential History for all borrower's listed above.

Current Residence - Borrower 1(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

My Mailing Address is my Current Address(Required)

YesNo

Years - Current Address(Required)

Months - Current Address(Required)

Housing Expense - Current Address(Required)

No primary housing expenseOwnRent

Have you lived here for more than 24 months(Required)

YesNo

Previous Residence(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Years - Previous Address(Required)

Months - Previous Address(Required)

Housing Expense - Previous Address(Required)

No primary housing expenseOwnRent

Is the Address listed on your Driver's License Listed above?(Required)

YesNo

Address Listed on License(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Explanation for Address Discrepancy(Required)

Please provide an explanation for the address discrepancy between your government-issued ID and your previous residences.

Two Year Residential History Borrower 2

Current Residence - Borrower 2(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

My Mailing Address is my Current Address - Borrower 2(Required)

YesNo

Years - Current Address - Borrower 2(Required)

Months - Current Address - Borrower 2(Required)

Housing Expense - Current Address - Borrower 2(Required)

No primary housing expenseOwnRent

Have you lived here for more than 24 months - Borrower 2(Required)

YesNo

Previous Residence - Borrower 2(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Years - Previous Address - Borrower 2(Required)

Months - Previous Address - Borrower 2(Required)

Housing Expense - Previous Address - Borrower 2(Required)

No primary housing expenseOwnRent

Is the Address listed on your Driver's License Listed above? - Borrower 2(Required)

YesNo

Subject Property Details

Please provide the details for the Subject Property.

Subject Property Address

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Subject Property Type(Required)

Single Family Residence (SFR)CondominiumTownhome2–4 Unit MultifamilyOther

Date Acquired(Required)

Month

Day

Year

How much did you put into renovations?(Required)

Subject Property Value(Required)

Intended Occupancy(Required)

InvestmentPrimary ResidenceSecond HomeOther

Property Status(Required)

SoldPending SalePending LeaseRented - Long Term LeaseRented - Short Term Lease

Monthly Rent (Actual or Projected)(Required)

Current Lease Agreement (if applicable)

Drop files here or Select files

Max. file size: 50 MB.

Please upload the active lease agreement if available so we can ensure it's passed along to the appraiser in a timely manner.

Mortgages or HELOCs on this Property(Required)

YesNo - Owned Free and Clear

Creditor Name(s)(Required)

Current Lender's Email(Required)

Current Lender's Phone Number(Required)

Monthly Mortgage Payment(Required)

Unpaid Principal Balance(Required)

Additional Real Estate Owned (REO)

Please list any real estate you own that is not already mentioned above. It is important that you only include properties that appear on your personal credit report, which are typically long-term hold properties.

How many additional properties do you want to add?(Required)

012345

Additional REO Address - 1(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Property Value - Additional REO 1(Required)

Property Status - Additional REO 1(Required)

SoldPending SaleRented - Long Term LeaseRented - Short Term LeasePending Lease

Intended Occupancy - Additional REO 1(Required)

InvestmentPrimary ResidenceSecond HomeOther

Mortgages or HELOCs on this Property - Additional REO 1(Required)

YesNo - Owned Free and Clear

Creditor Name(s) - Additional REO 1(Required)

Monthly Mortgage Payment - Additional REO 1(Required)

Unpaid Principle Balance - Additional REO 1(Required)

Monthly Income - Additional REO 1(Required)

Additional REO Address - 2(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Property Value - Additional REO 2(Required)

Property Status - Additional REO 2(Required)

SoldPending SaleRented - Long Term LeaseRented - Short Term LeasePending Lease

Intended Occupancy - Additional REO 2(Required)

InvestmentPrimary ResidenceSecond HomeOther

Mortgages or HELOCs on this Property - Additional REO 2(Required)

YesNo - Owned Free and Clear

Creditor Name(s) - Additional REO 2(Required)

Monthly Mortgage Payment - Additional REO 2(Required)

Unpaid Principle Balance - Additional REO 2(Required)

Monthly Income - Additional REO 2(Required)

Additional REO Address - 3(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Property Value - Additional REO 3(Required)

Property Status - Additional REO 3(Required)

SoldPending SaleRented - Long Term LeaseRented - Short Term LeasePending Lease

Intended Occupancy - Additional REO 3(Required)

InvestmentPrimary ResidenceSecond HomeOther

Mortgages or HELOCs on this Property - Additional REO 3(Required)

YesNo - Owned Free and Clear

Creditor Name(s) - Additional REO 3(Required)

Monthly Mortgage Payment - Additional REO 3(Required)

Unpaid Principle Balance - Additional REO 3(Required)

Monthly Income - Additional REO 3(Required)

Additional REO Address - 4(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Property Value - Additional REO 4(Required)

Property Status - Additional REO 4(Required)

SoldPending SaleRented - Long Term LeaseRented - Short Term LeasePending Lease

Intended Occupancy - Additional REO 4(Required)

InvestmentPrimary ResidenceSecond HomeOther

Mortgages or HELOCs on this Property - Additional REO 4(Required)

YesNo - Owned Free and Clear

Creditor Name(s) - Additional REO 4(Required)

Monthly Mortgage Payment - Additional REO 4(Required)

Unpaid Principle Balance - Additional REO 4(Required)

Monthly Income - Additional REO 4(Required)

Additional REO Address - 5(Required)

Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code

Property Value - Additional REO 5(Required)

Property Status - Additional REO 5(Required)

SoldPending SaleRented - Long Term LeaseRented - Short Term LeasePending Lease

Intended Occupancy - Additional REO 5(Required)

InvestmentPrimary ResidenceSecond HomeOther

Mortgages or HELOCs on this Property - Additional REO 5(Required)

YesNo - Owned Free and Clear

Creditor Name(s) - Additional REO 5(Required)

Monthly Mortgage Payment - Additional REO 5(Required)

Unpaid Principle Balance - Additional REO 5(Required)

Monthly Income - Additional REO 5(Required)

Subject Property Loan Information

This section asks about the loan’s purpose and the property you want to purchase or refinance.

Refinance Loan Amount - Subject Property(Required)

Loan Purpose Subject Property(Required)

PurchaseRefinance

Entity Information

Please provide the details for the entity you will be borrowing in

Entity Name(Required)

Entity EIN(Required)

Date of Formation(Required)

MonthMonth123456789101112

DayDay12345678910111213141516171819202122232425262728293031

YearYear202720262025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920

Entity State of Formation(Required)

AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State

Entity Address

Street Address Address Line 2 City State / Province / Region ZIP / Postal Code

Title Information

Select your Title Company(Required)

I already have a title company selectedConnect me with Orchard

Name of Title Company(Required)

Name(Required)

First Last

Title Rep Email(Required)

Insurance Information

Backflip partners with an integrated insurance provider built for real estate investors so you can get a quote in 90 seconds or less and keep your closing moving fast. Even if you already have a short-term policy, we still recommend using our preferred provider — they plug directly into our process, reduce back-and-forth, and help you close sooner.

Do You Have a Prefered Insurance Company(Required)

Connect me with Steadily (Recommended)I have my own Insurance Agent

Name of Insurance Company(Required)

Insurance Rep Name (If Known)

First Last

Insurance Rep Email(Required)

Declarations

This section asks you specific questions about the property, your funding, and your past financial history. Please complete "Yes" if any of these are applicable to any of the borrowers listed above

Will you occupy the property as your primary residence?(Required)

No

Yes

If this is a Purchase Transaction: Do you have a family relationship or business affiliation with the seller of the property?(Required)

No

Yes

Not a Purchase

Provide more details on the amily relationship or business affiliation with the seller of the property(Required)

Are you borrowing any money for this real estate transaction (e.g., money for your closing(Required)

No

Yes

Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?(Required)

No

Yes

Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?(Required)

No

Yes

Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through your property taxes (e.g., the Property Assessed Clean Energy Program)?(Required)

No

Yes

Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?(Required)

No

Yes

Are there any outstanding judgments against you?(Required)

No

Yes

Are you currently delinquent or in default on a Federal debt?(Required)

No

Yes

Are you a party to a lawsuit in which you potentially have any personal financial liability?(Required)

No

Yes

Have you conveyed title to any property in lieu of foreclosure in the past 7 years?(Required)

No

Yes

Within the past 7 years, have you completed a pre-foreclosure sale or short sale, whereby(Required)

No

Yes

Have you had property foreclosed upon in the last 7 years?(Required)

No

Yes

Have you declared bankruptcy within the past 7 years?(Required)

No

Yes

Sign your Application

Borrower Signature(Required)

LO Signature

File

Max. file size: 50 MB.

SUBMIT

Save & Continue

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