DSCR Loans

Debt Service Coverage Ratio loans for income-producing properties

Ready to Get Funded?

Submit your deal details and get approved quickly

Program Overview

DSCR loans are perfect for investors purchasing rental properties, apartment complexes, or other income-producing assets. We underwrite based on the property's cash flow rather than personal income.

Key Features

Loan amounts from $100,000 to $10,000,000+
Underwritten on property cash flow (DSCR)
Flexible credit requirements
Competitive rates
Portfolio and investment property focus
Full documentation and stated income options

Loan Amounts

$100,000 - $10,000,000+

Timeline

5-7 days to approval, 10-14 days to funding

Ideal For

Rental property investors

Requirements

Property appraisal
Lease agreements or rental history
Last 2 years tax returns (property)
Proof of funds for down payment
Property management plan

Our Process

1

Submit Deal

Provide property details and financial documentation

2

Receive Terms

We analyze cash flow and provide loan terms

3

Prepare Closing

Complete underwriting and finalize documentation

4

Fund

Capital deployed to your account

Frequently Asked Questions

What is DSCR?

DSCR (Debt Service Coverage Ratio) is the property's annual net income divided by annual debt payments. We typically require a DSCR of 0.75 or higher.

Do you require personal income verification?

No. We underwrite based on the property's income, not personal income. This makes it easier for investors with multiple properties.

What types of properties qualify?

We finance rental homes, multi-family properties, commercial real estate, and other income-producing assets.

Can I use a DSCR loan for a property I'm currently living in?

No. DSCR loans are for investment properties only. For owner-occupied properties, consider our other loan programs.

Ready to Get Started?

Submit your deal today and get approved in as little as 24-48 hours.