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

Step 1 - See what You Qualify For

DSCR Calculator

Taxes and insurance auto-calculated at 1% of the purchase price.
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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 2026. 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.