DSCR Loans
Smart financing for income-producing properties
Descriptions
For real estate investors, proving income through traditional pay stubs or tax returns isn’t always straightforward especially when business deductions and write-offs reduce taxable income on paper. A DSCR (Debt Service Coverage Ratio) loan offers a flexible alternative by focusing on your property’s cash flow rather than your personal income. This makes it possible to secure financing based on the property’s ability to generate enough income to cover its debt payments, rather than traditional employment verification.
Whether you’re purchasing, refinancing, or expanding your investment portfolio, DSCR loans open doors to opportunities that might otherwise be out of reach with conventional lending. By using the property’s operating income and expenses to calculate the DSCR, lenders can approve loans that align with your real estate goals without the headache of extensive personal income documentation.
- Ideal for investment and income-producing properties
- Qualification based on property cash flow, not personal income
- No need for pay stubs, W-2s, or tax returns
- Flexible terms for purchase or refinance
- Works well for investors with significant write-offs or deductions
- DSCR ratio requirement typically starts around 1.25+
- Can finance single-family, multi-family, and commercial properties
- Suitable for portfolio growth and expansion
- Competitive loan amounts and rates for qualified properties
- Streamlined approval process compared to traditional loans
We’re with you from application to closing, making the mortgage process simple, clear, and stress-free.
Enjoy one-on-one guidance with a personal loan expert who knows your needs and keeps you informed at every stage.
Get competitive rates and cost-effective solutions tailored to fit your budget and goals.
Talk with a Lending Specialist.
Get expert advice and personalized solutions for your mortgage needs.
How it Works
Let us help you get into your new home fast, simple, and stress-free.
Our step-by-step process is designed to take you from dream to keys in hand, without confusion or delays. We handle the hard work so you can focus on what matters most finding your perfect home.
We start with a friendly, no-pressure conversation to understand your goals, budget, and timeline. This is where we map out the best mortgage options for your needs.
We’ll guide you through gathering the necessary documents making it quick, easy, and hassle-free. Our secure systems keep everything safe and organized.
Our experts review your application and match you with the right loan program. Once approved, we lock in the best rate possible for you.
Funds are released, paperwork is finalized, and you get the keys to your new home. Congratulations you’re officially a homeowner!
Pay off early, no penalties just savings.
We believe in giving you financial freedom that’s why we never charge prepayment penalties, allowing you to pay off your mortgage early and save on interest without worrying about extra fees.