DSCR - Rentals for Investors

Own As Many Properties You Want
Grow Your Real Estate Portfolio

No Income Required, No Taxes, No 1099, No W2s, No 1099!

A Debt Service Coverage Ratio (DSCR) loan is a type of mortgage specifically designed for real estate investors. Instead of relying on personal income verification like traditional loans, DSCR loans focus on the income generated by the property itself.

If the income receive by the rentals can cover the mortgage, taxes, and insurance, the property is approved!

The appraiser does the report for the property valuation and for the estimated rental income the property will generate.

We offer flexible terms, and, in some cases, our loans can be approved in as fast as two weeks. If this is your first time purchasing a rental property, our experienced loan officers can guide you through the process.

All loans must be solely for a business or commercial purpose and secured by a non-owner occupied property. All terms subject to credit approval.

Type of Properties We Fund:

  • 1-4 Unit Multifamily Properties

  • 5-24 Units

  • Single Family Rentals

  • Townhomes

  • Condos

DSCR Rental Property Loan Terms

  • Loan Amounts from $150k - $2M

  • 660 Minimum FICO

  • 75% LTV For Cash-Out

  • .75x Minimum DSCR

  • 6-12 Months Verified Reserves

  • 80% LTV for Purchase / Rate & Term

  • 30-Year Fixed, 5/1 ARMs, and 10/1 Interest-Only

  • Non-Recourse (in some cases)

WE CAN DO DSCR LOANS IN THE FOLLOWING STATES


Alabama, Arkansas, Colorado, Connecticut, Washington DC, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, Wisconsin, Wyoming

See what You Qualify For

Where are you in your home buying journey?

What type of property are you looking to purchase?

How do you plan to use your future home?

Do you own any property?

What is your current employment status?

What is your estimated credit score range?

What's your yearly income before taxes?

This is the same thing as gross income. You don't need to be exact but try to get as close as possible.

What is the estimated price range of the home you are looking to buy?

How much have you saved for purchasing the home?

What is your current residency status?

Are you already working with a real estate agent to buy your new home?

Have you had any foreclosures or bankruptcies in the past three years?

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Work with an Expert Mortgage Consultant

22 Years Experienced as Loan Originator, 3 years as underwriting , 2 years as appraiser.

At Generation Mortgage Associates LLC , we partner with over 50 top lenders nationwide to find the best mortgage loan tailored to your specific needs. Regardless of your financial situation, credit history or income, we can secure a mortgage for you.


Our agents possess extensive expertise in the real estate market, staying ahead of trends and understanding property values. This enables them to offer you tailored, insightful guidance specific to your needs and goals.

Whether you prefer face-to-face meetings or virtual consultations, we are accessible and ready to assist. Trust us for a smooth and stress-free financing journey.

© Copyright 2024. All rights reserved by Generation Mortgage Associates LLC

Company NMLS#: 224585

1155 Pasadena Ave S - Suite H - South Pasadena, FL 33707

This website has not been reviewed, approved or issued by HUD, FHA or any governmental agency.