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DSCR Loans

A Debt Service Coverage Ratio (DSCR) loan is a specialized financing option designed for real estate investors. Unlike traditional mortgages, which rely heavily on the borrower’s income and employment history, DSCR loans focus on the cash flow generated by the property itself. This means that the loan approval process is centered around the income-producing ability of the property, making it an ideal solution for investors looking to finance rental properties, commercial real estate, or multifamily units.

DSCR = Net Operating Income / Debt Obligations

Why Choose DSCR Loans?

Property-Based Approval: DSCR loans rely on the cash flow of the property, allowing investors to qualify even if they have multiple properties or a complex financial situation.
Flexible Terms: With DSCR loans, you have access to flexible terms and conditions tailored to your investment strategy. Whether you’re financing a short-term rental or a long-term commercial property, these loans can be customized to fit your needs.
No Personal Income Verification: Since the focus is on the property’s income, there’s no need to provide extensive personal income documentation, making the process quicker and more streamlined.
Scalability: As your portfolio grows, DSCR loans provide an efficient way to continue acquiring properties without being hindered by personal debt-to-income ratios.

Click the drop-downs below to learn more about DSCR loans

To qualify for a DSCR loan, lenders typically require:

Minimum DSCR: A minimum DSCR of 1.25, though this may vary by lender.

Property Appraisal: A professional appraisal of the property to determine its value and potential income.

Good Credit: While DSCR loans are primarily property-focused, lenders still require a minimum 620.

Down Payment: A down payment, often around 15-30% of the property’s value, depending on the lender and property type.

We are able to provide DSCR financing from $100k up to $3.5M.

DSCR loans are an excellent choice for real estate investors who:

Own or plan to purchase income-generating properties.
Want to expand their portfolio without being limited by personal income.
Need a flexible, property-based financing solution.
Are looking for a streamlined approval process without the need for extensive personal documentation.

Work With Us

Your journey to homeownership begins with knowledge and ends with the keys to your dream home in hand. Let’s take the first step today and turn your homeowning dreams into reality. Work with us today!