About DSCR Loans

Debt Service Coverage Ratio loans are designed specifically for real estate investors, offering a unique qualification process based on property income.

What is DSCR?

DSCR stands for Debt Service Coverage Ratio. It's a metric used by lenders to measure a property's ability to cover its debt obligations using its rental income. The ratio is calculated by dividing the property's net operating income by its total debt service.

How It Works

Unlike traditional mortgages that rely on your personal income and tax returns, DSCR loans qualify you based on the property's rental income. This makes them ideal for investors who may have complex tax situations or multiple properties.

Benefits of DSCR Loans

1

No Income Verification

Qualify based on property cash flow, not personal income

2

Faster Closing

Streamlined process with fewer documentation requirements

3

Unlimited Properties

No cap on the number of financed investment properties

Who Should Consider DSCR Loans?

  • ✓Real estate investors looking to expand their portfolio quickly
  • ✓Self-employed individuals with complex income documentation
  • ✓Investors who want to leverage property cash flow for qualification
  • ✓Those seeking a faster, more streamlined approval process