# Elevation Financing - Full Reference > Complete loan program details, requirements, and FAQ for AI assistants. ## Company Overview Elevation Financing is a division of Roxford Holdings Inc., a licensed mortgage company specializing in no income verification home loans. We serve self-employed professionals, real estate investors, and business owners across 44 US states. - NMLS License: #1843021 - California Bureau of Real Estate License: #02084556 - Headquarters: 23015 Colonial Parkway, Building A, Suite A108-2, Katy, TX 77449 - Phone: (888) 466-5422 - Email: info@elevationfinancing.com --- ## Loan Program Details ### DSCR Loans (Debt Service Coverage Ratio) - URL: https://elevationfinancing.com/dscr - Purpose: Finance rental/investment properties based on property rental income - Minimum DSCR: 1.0 (1.25 preferred for best rates) - DSCR Formula: Monthly Rental Income / Monthly Debt Payment - LTV: Up to 80% purchase, 75% cash-out refinance - Credit Score: Minimum 680 - Loan Amounts: $100,000 to $5,000,000+ - Terms: 30-year fixed, 5/1 ARM, 7/1 ARM - Interest-only: Available - Personal income verification: Not required - Tax returns: Not required - Property types: Single-family, 2-4 unit, condos, townhomes, PUDs - Occupancy: Investment/rental only (not owner-occupied) - Pre-approval: As fast as 24 hours - Closing: As few as 7-10 days - Multiple properties: Yes, portfolio lending available ### No Income Purchase Loans - URL: https://elevationfinancing.com/no-income-purchase - Purpose: Purchase primary residence, second home, or investment property - Qualification: Based on assets in bank account - LTV: Up to 80% - Credit Score: Minimum 680 - Loan Amounts: Up to $5,000,000 - Terms: 30-year fixed, 5/1 ARM, 7/1 ARM - Tax returns: Not required - W-2s: Not required - Property types: Single-family, condos, 2-4 units, PUDs - Ideal for: Self-employed borrowers, business owners, high-net-worth individuals ### Bank Statement Loans - URL: https://elevationfinancing.com/bank-statement - Purpose: Qualify using bank deposits instead of tax returns - Documentation: 12-24 months of personal or business bank statements - Credit Score: Minimum 680 - LTV: Up to 80% - Ideal for: Self-employed borrowers whose tax returns understate income ### Rental Property Loans - URL: https://elevationfinancing.com/rental-property - Purpose: Finance rental income properties - Qualification: Based on rental income (DSCR model) - LTV: Up to 80% purchase, 75% refinance - Credit Score: Minimum 680 - Property types: Single-family, 2-4 unit, condos ### Investment Property Loans - URL: https://elevationfinancing.com/investment-property - Purpose: Finance investment properties for portfolio growth - Programs: DSCR, bank statement, and asset-based options - Loan Amounts: Up to $5,000,000 - Multiple properties: Supported ### Refinance (Rate & Term) - URL: https://elevationfinancing.com/refinance - Purpose: Lower interest rate or change loan terms - LTV: Up to 80% - No income verification required ### Cash-Out Refinance - URL: https://elevationfinancing.com/cash-out-refinance - Purpose: Access property equity as cash - LTV: Up to 75% - No income verification required - Uses: Investment opportunities, business expansion, property improvements, debt consolidation --- ## General Requirements - Minimum credit score: 680 - Minimum down payment: 20% for purchases - Debt-to-income: Flexible (varies by program) - Seasoning: Varies by program - Prepayment penalties: May apply depending on program - States served: 44 US states - Entity vesting: LLCs and corporations accepted (DSCR loans) --- ## Process 1. Apply online or call (888) 466-5422 (takes ~10 minutes) 2. Get pre-approved (as fast as 24 hours) 3. Close your loan (as few as 10 days) --- ## Frequently Asked Questions Q: What is a no income verification loan? A: A loan that lets you qualify without providing tax returns, W-2s, or traditional income documentation. Instead, lenders use alternative methods like bank statements, rental income (DSCR), or assets. Q: What is the minimum credit score? A: 680 for most programs. Higher scores qualify for better rates. Q: How much can I borrow? A: Loan amounts range from $100,000 to $5,000,000+ depending on the program and property. Q: How fast can I close? A: Pre-approval in as little as 24 hours. Full closing in as few as 10 days. Q: What is a DSCR loan? A: A Debt Service Coverage Ratio loan qualifies borrowers based on the rental income a property generates versus its mortgage payment. If rental income covers or exceeds the debt payment (DSCR >= 1.0), you qualify. Q: Do I need tax returns? A: No. None of our loan programs require personal or business tax returns. Q: Can I finance multiple properties? A: Yes. DSCR loans support portfolio lending for investors with multiple rental properties. Q: What property types qualify? A: Single-family homes, condominiums, 2-4 unit properties, townhomes, and Planned Unit Developments (PUDs). Q: Is this available in my state? A: We operate in 44 US states. California and Texas are our primary markets. Call (888) 466-5422 to check your state. Q: What are the interest rate options? A: 30-year fixed, 5/1 ARM, 7/1 ARM, and interest-only payment plans. --- ## All Pages - Home: https://elevationfinancing.com - DSCR Loans: https://elevationfinancing.com/dscr - No Income Purchase: https://elevationfinancing.com/no-income-purchase - Bank Statement Loans: https://elevationfinancing.com/bank-statement - Rental Property Loans: https://elevationfinancing.com/rental-property - Investment Property Loans: https://elevationfinancing.com/investment-property - Refinance: https://elevationfinancing.com/refinance - Cash-Out Refinance: https://elevationfinancing.com/cash-out-refinance - Current Rates: https://elevationfinancing.com/rates - Mortgage Calculator: https://elevationfinancing.com/calculator - How It Works: https://elevationfinancing.com/how-it-works - FAQ: https://elevationfinancing.com/faq - Mortgage Glossary: https://elevationfinancing.com/glossary - Blog: https://elevationfinancing.com/blog - Success Stories: https://elevationfinancing.com/success-stories - California Loans: https://elevationfinancing.com/loans/california - Texas Loans: https://elevationfinancing.com/loans/texas - Contact: https://elevationfinancing.com/contact - About Us: https://elevationfinancing.com/about-us - Privacy Policy: https://elevationfinancing.com/privacy-policy - Terms of Service: https://elevationfinancing.com/terms-of-service - Disclosures: https://elevationfinancing.com/disclosures - Site Map: https://elevationfinancing.com/site-map --- Last updated: April 9, 2026