New Investor Programs for Halal Home Acquisition

Programs Our New Investor Offers

At ijaraCDC, we know how important it is to grow your investments in a way that aligns with your faith. That’s why we’re thrilled to introduce a new investor, with programs tailored for your real estate investment needs.

Whether you're entering the rental property market or expanding your portfolio, these programs make the process easier, faster, and 100% Riba-Free.

House for rent sign, people entering home.

DSCR .80-.99

Qualify based on the property’s rental income potential to cover the monthly payments.

  • Available for first-time homebuyers and investors
  • Vacation rental or Airbnb properties allowed
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 700
  • $2 million maximum amount
Hands holding a small decorative house.

DSCR 1.00-1.19

Leverage the property’s potential rental income instead of the borrower’s personal income

  • Available for first-time homebuyers and investors
  • Vacation rental or Airbnb properties allowed
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 680
  • $2 million maximum amount
Modern dining area with abstract wall art.

DSCR 1.20+

Property’s rental income value is utilized as main factor for qualification.

  • Available for first-time homebuyers and investors
  • Vacation rental or Airbnb properties allowed
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 720
  • $1.5 million maximum amount

 

Three suburban houses with front yards.

No Ratio

Bypass conventional debt-to-income assessment used on traditional programs to secure the rental property

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 700
  • $2 million maximum amount
  • $500k maximum cash-out amount
  • Up to four properties
Suburban street with houses and green hill.

P&L

Focuses on one’s net income for approval – no bank statements or tax returns required.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 660
  • $2.5 million maximum amount
  • Requires documents prepared by CPA or Authorized Agent
A pen resting on a financial statement showing Residential Programs US account summary figures.

Bank Statement

Ideal for self-employed and business professionals who want to use their bank statements to secure a new property for their business.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 660
  • $3 million maximum amount
  • Can combine statements from multiple businesses
  • Use bank statements for real estate investors
  • No limit on NSFs on bank statements
Family looking at a house with a "for rent" sign in the front yard, interested in residential programs in the US.

1099

Use your 1099 as a stepping stone to becoming a full-fledged rental property owner.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 660
  • $2.5 million maximum amount
  • 10% operating expense ratio
  • YTD Bank statements within 10% of 1099 gross
Aerial view of suburban neighborhood houses.

5-8 Residential

Secure more rental properties under one statement. More opportunities with zero hassle.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimal credit score of 660
  • $2.5 million maximum amount
  • 10% operating expense ratio
  • For 5-8 multi-family units
Two businessmen analyzing residential programs' US financial data on computer screens.

Foreign National

No visa, credit score, or credit letters needed – just a valid passport to own a rental property!

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • $3 million maximum amount
  • No housing history required
  • VOE for wage earner and Accountant letter for self-employed
Colorful houses: pink, green, yellow in row.

Asset Qualification

Secure a rental property through a combination of all your available assets.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimum credit score of 660
  • $3 million maximum amount
  • Up to 85% Loan-to-Value ratio
Empty street between modern townhouses.

Condominiums

Diversify your rental property business with some modern condos

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimum credit score of 660
  • $3 million maximum amount
  • No loan to value restrictions
Hand signing a document with pen.

Full Documentation

Let your documents do the talking and grab that new rental property.

  • Available for first-time homebuyers and investors
  • Accepts 100% gift funds for down payment and closing costs
  • Minimum credit score of 660
  • $3 million maximum amount
  • Unlimited Cash-Out under 60% loan-to-value ratio

We are continuously adding more investor partnerships and adding more programs. Contact us if you do not see a program that fits your scenario. We might have solutions not yet listed here.

GET STARTED

IjaraCDC also offers Sharia-compliant commercial property acquisition programs for businesses. Explore more of our options today to learn more.

Download Commercial Brochure