DSCR Loans
Rental Property Loans
Financing available for real estate investors based on property cash flow – Not your tax returns. Â
Streamlined financing available for real Estate Investors
DSCR (Debt Service Coverage Ratio) loans focus on the income your property generates, not your personal finances.
They’re designed for real estate investors to qualify based on rental income rather than tax returns or W-2s. If your property’s cash flow can comfortably cover its mortgage payment, you may qualify—even without traditional income documentation.
DSCR Loan benefits
- Loan approval is based on the property’s income, not your personal earnings or tax returns - ideal for self employed investors
- Rates comparable to conventional financing for well qualified investors
- 30-40 year terms available as long term financing options as hard money refinance exit strategy
- Tap into cash-out options to unlock equity for new investments
- Financing available up to 85% LTV
- Flexible eligibility across single-family, multi-family, and commercial properties
- Option to close in an LLC or corporation for added asset protection
Qualification criteria
- Property must be non-owner occupied as an investment property
- Market rent analysis to determine acceptable rental income via appraisal/ lease (if available)
- Available funds for down payment or existing equity to meet maximum LTV ratio
- Cash reserves typically required of 3-12 months of mortgage payments
- Property must be in marketable condition
- Credit report required, typically with a minimum 640 credit score