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.

For rent sign in a landscaped yard.

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 (considered Commercial)
  • 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

1-4 Units Residential DSCR Calculator

Taxes and insurance auto-calculated at 1% of the purchase price.
Loan Parameters
$
$
%
$
%
$
$
$
Interest Only
ESTIMATED DSCR
--
Mtg P&I
--
Tax+Ins+HOA
--
Total PITIA
--
--
--

Frequently Asked Questions

What is a DSCR loan?

A Debt Service Coverage Ratio (DSCR) loan is a type of mortgage designed for real estate investors that focuses on the income generated by the property rather than personal income verification.

What types of properties can be funded with a DSCR loan?

DSCR loans can fund 1-4 unit multifamily properties, 5-24 units, single family rentals, townhomes, and condos.

What are the loan terms for DSCR loans?

Loan amounts range from $150k to $2M, with a minimum FICO of 660, and LTVs of 75% for cash-out and 80% for purchase.

How quickly can a DSCR loan be approved?

In some cases, DSCR loans can be approved in as fast as two weeks.

Which states are eligible for DSCR loans?

DSCR loans are available in states including Alabama, Florida, Texas, and many others; the team can confirm details for specific states.

Is personal income verification required for DSCR loans?

No, DSCR loans do not require personal income verification; they are based on the income generated by the rental property.

Contact us