Strive Aspire’s Rental Advantage, a “Near private” mortgage product for property investors. Its standout feature is the emphasis on the property’s Debt Service Coverage Ratio (DSCR): if the DSCR is 1 or higher, the borrower’s income isn’t considered, streamlining the process and focusing on the property’s income potential. The minimum DSCR is 0.75; for DSCR between 0.75 and 1, either reduced LTV or personal income is required. Designed for experienced investors, it accepts properties in holding or operating companies and validates rental income through market rents or a 12-month history. The minimum credit score is 620, but to get the full 80% Loan-to-Value you’ll need a 700+ credit score.

Key details

Max Loan to ValueMax Loan to Value (LTV) is the largest loan you can get based on your home's value. For a $500k house, 80% LTV means you can borrow $400k or pay $100k down. 80% of Home Value
Credit ScoreThe minimum credit score required to qualify. If you don't know your score, reach out and we can help. 620 minimum
Max Amortization 40 years
Mortgage Amount $ 200K - $ 2M

Rates and fees

Fill in property value and mortgage amount to see rates

Disclaimer: This rate table represents the best rates available from this lender. Rates and fees may depend on several factors, such as your Loan to Value, credit history, income, property use, property location, etc. For a precise quote, fill out the form at the bottom of the page for a no-obligation call.

More information

Purchase Refinance Equity Takeout Debt Consolidation Private Lender Payout Home Renovation Loan
Property Types
Detached Condo Townhouse Rooming House Student Housing Semi-detached Duplex Triplex Fourplex
Rental Program Low Taxable Income
Short Term Rental Holding Company Prior Bankruptcy Prior Consumer Proposal Minimal Documents Self Employed < 2 Years Qualify at Contract Rate Stated Income Gifted Down Payment

This section lists what the lender either does accept or they may consider on a case-by-case basis depending on the rest of the application. If it’s case-by-case, we try and include a note in the policy details to help give more specific information. But keep in mind alternative (private and ‘b’) mortgages are situation dependent and some of the above items can’t be combined. If you’re unsure or have a question, please fill out the contact form at the bottom of the page or speak with your mortgage professional.

About the Lender

Aspire by Strive Capital, launched in November 2023, specializes in alternative mortgage options. It caters to self-employed individuals, people with limited credit history, or those with unique financial needs. As the 'B' lending branch of Strive Capital, Aspire is recognized for its efficient process and willingness to find practical solutions for borrowers. This makes them a suitable choice for those needing a flexible approach to home financing.

Request a Quote


The content on this website is for informational purposes only and does not constitute professional advice. Policies, rates, and fees are subject to change without notice at the lender’s discretion. There may be additional costs not mentioned on this page. Cost of financing is depends on the situation, and it is the responsibility of your mortgage professional to disclose that information at the time of application. In the event of a discrepancy between this page and the lender, the lender is assumed to be correct. Before making any financial decisions, please consult with a qualified mortgage professional. By using this website, you accept the above statement and our terms and conditions.