DSCR Loans: Simplifying Financing for Real Estate Investors

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What is your primary goal?Purchase a homeRefinance a propertyInvest in real estate

What type of property are you financing?Owner-occupied homeSecond homeRental property or investment property

Are you a first-time homebuyer?YesNo

What is your approximate credit score?Below 640640–679680+

Do you have documentation for your income?Yes, I can provide traditional documents like W-2s or tax returnsNo, I prefer alternative documentation (e.g., 1099s, P&L statement, bank statements, or rental income)

What is your citizenship status?U.S. CitizenNon-U.S. Citizen

What is the estimated value of the property you are financing?Less than $1 million$1 million to $2 million$2 million to $3 million

Do you plan to use the property’s cash flow (rental income) to qualify for the loan?YesNo

Do you need assistance with down payment or closing costs?Yes, I may use gift funds or cash-out refinancingNo, I have sufficient reserves

Are you self-employed, a gig worker, or receive income from non-traditional sources?YesNo

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Program Summary

DSCR (Debt-Service Coverage Ratio Loans) loans are tailored for real estate investors, qualifying based on the property’s rental income rather than the borrower’s personal income. This makes it easier to grow your portfolio and focus on cash flow. With fewer documentation requirements and flexible underwriting, DSCR loans allow you to build your real estate portfolio faster and more efficiently.

Key Benefits

• No personal income verification: Qualify using rental income, not personal W-2s or tax returns.
• Flexible requirements: Perfect for experienced and new investors alike.
• Build your portfolio: Simplified financing for multiple properties, with higher loan amounts available for large-scale projects.

Program Details

• DSCR Ratio: Rental income must meet or exceed 1.0 or 1.25 times the property’s debt obligations, ensuring the property covers its own costs.
• Credit Requirements: Minimum score of 620-680; higher scores may improve loan terms.
• Down Payment: Typically 20%-25% required for investment properties.
• Property Type: Applies exclusively to income-generating investment properties.

Who Is This Program Best For?

• Real estate investors looking to expand their portfolio quickly and efficiently.
• Borrowers who prefer qualification based on property cash flow rather than personal income.
• Buyers interested in income-generating rental properties or commercial investments.

Next Steps

Grow your real estate portfolio with ease! Contact us today to learn more about DSCR loans. Our team is here to make your investments a reality!