DSCR Loans

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 DSCR loans are designed for real estate investors who want to qualify based on the property’s cash flow—not their personal income. Whether you’re purchasing or refinancing a rental property, this program offers flexible financing for both new and experienced investors.

Common Property Types

• Single-Family Rentals (SFR)
• 2–4 Unit Properties
• Condominiums
• Townhomes
• Warrantable Condos
• Short-Term Rentals (where eligible)

Program Highlights

• No personal income verification
• No tax returns required
• No W-2s or pay stubs
• Qualification based primarily on rental income
• LLC ownership permitted (where allowed)
• Purchase, Rate & Term Refinance, and Cash-Out Refinance options
• Fixed and Adjustable Rate options available

General Requirements

• Minimum credit score: Typically 620+ (program dependent)
• Down payment: Starting around 20%
• Property must generally produce sufficient rental income to support the mortgage payment
• First-time investors may be eligible with select programs
• Reserves may be required
• Appraisal required

Eligible Borrowers

• Individual borrowers
• LLCs (where permitted)
• Experienced investors
• First-time investors (with qualifying programs)

Why Choose a DSCR Loan?

Traditional lenders focus on your personal debt-to-income ratio. A DSCR loan focuses on the investment property’s ability to generate income, making it easier for many investors to expand their real estate portfolios.

Ready to Finance Your Next Investment?

Whether you’re purchasing your first rental or growing a portfolio, I can help you find the right DSCR financing solution for your investment goals.

Schedule a consultation today to discuss your financing options.

GET STARTED TODAY!