Preferred DSCR Direct Lender
Rates: As low as 6.375%
Find out how we’ve been beating the big banks.
✓ Top Rated DSCR Lender
✓ Up to 40 year term
✓ Faster Closing than industry average
✓ Short Term Rental DSCR Loans
✓ We beat 99% of other term sheets
✓ Zero origination fee options
✓ No Prepayment penalty options
✓ All Credit Options
✓ No Income No Assets - Rental Income based financing
DSCR Loans
Portfolio Loans
Hard Money Loans
Why Choose DSCR Loans?
Expand Your Portfolio
DSCR loans allow real estate investors to qualify based on property income making it easier to scale investments.
Loan Programs:
Explore different DSCR loan programs we offer, tailored to fir your unique investment strategy. Be sure to contact us for a solution outside these Qualifications.
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1.00+ DSCR Loans
Minimum Credit Score 620
MAX LTV 80%(Purchase) - 75% (Refinance)
DSCR 1.00 or higher
No Ratio & Sub 1 DSCR Loans Qualifications
Minimum Credit Score 680
Max LTV 65% (For DSCR .001- .8) - 75% (For DSCR .8-.99)
DSCR Ratio: .00-.99
Typical DSCR Loan Minimum Requirements:
DSCR Ratio: 0.00
Credit Score: No Minimum Credit Score.
Down Payment: 20-25% required
Loan-to-Value (LTV): Up to 75-80%
No Personal Income Verification
Focus on the property’s performance rather than your personal income, perfect for self-employed or new investors.
Maximize Cash Flow
Get better terms based on the rental income of the property, allowing for greater leverage and higher returns.
Advantages of DSCR Loans Over Traditional Loans:
Unlike traditional mortgages, DSCR loans don’t require you to verify your personal income. Instead, the property’s cash flow is the primary consideration, making them a powerful option for scaling your real estate portfolio.
Eligible Property Types for DSCR Loans:
Single-family rental properties
Multi-family rental properties
Commercial real estate
Mixed-use properties
Short-term rental properties (eg,. Airbnb, etc)
DSCR Loans - Lower Rates are here. It’s time to improve your cash flow$
Cash Out Refinance - More cash flow. More properties. Lower rates.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors.
These loans focus on the income generated by your property, rather than your personal income, to determine your loan eligibility. Ideal for investors with rental properties or commercial real estate.
Key Benefits of DSCR Loans:
Easier Qualification: Approval based on the cash flow of your property, not your personal income.
No W-2s or Tax Returns Required: Perfect for self-employed investors.
Flexible Loan Terms: Higher loan amounts and competitive interest rates.
Frequently Asked Questions (FAQs)
What DSCR ratio is required for approval?
Our lenders have no ratio Dscr loan options
Can I use a DSCR loan for short-term rentals?
Yes, DSCR loans can be used for short-term rental properties such as Airbnb.
How do I calculate my DSCR?
DSCR is calculated by dividing the property’s net operating income by the total debt service (e.g., mortgage payments).