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Simplify Property Investment with DSCR Loans

Finance Your Real Estate Investments Without a Traditional Loan

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What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of mortgage used primarily for investment properties. It evaluates the borrower's ability to repay the loan based on the income generated by the property, rather than relying solely on personal income. DSCR loans offer several advantages, which are listed below:

  • No requirement for personal income verification
  • Can be used for multiple property investments
  • Flexible qualifying criteria based on rental property income
  • Potential for higher loan amounts compared to traditional loans
 
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How DSCR Loan Qualification Works

Instead of requiring tax returns and pay stubs, lenders calculate your Debt Service Coverage Ratio by comparing the property's rental income to the mortgage payment. If the property's rental income is equal to or greater than the mortgage payment, you may qualify for the loan.

 

  • 01Get Preapproved

    Understand your investment potential and be in a stronger position to negotiate with property sellers. We'll review your property's rental income and provide a preapproval letter, valid for up to 90 days.

  • 02Verify Your Property's Income

    The key to a DSCR loan is the rental income your property generates. We'll work with you to generate the Debt Service Coverage Ratio and ensure your property meets the requirements for financing.

  • 03Start Your Application

    Kick off your investment journey by submitting a quick and easy online application. We'll walk you through the process and get you one step closer to securing financing for your next rental property.

Unlock the Benefits of a DSCR Loan!

If you're an investor looking to finance rental properties, a DSCR loan offers a unique advantage tailored to your needs. Choosing a DSCR loan over a conventional loan depends on how the flexibility and property-based qualification align with your investment goals. With a DSCR loan, the focus is on the rental income your property generates, making it easier to secure financing without the need for traditional income verification.

We'll help you get there with a mortgage that works for you!

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