DSCR Rental Loan

Streamlined Funding Process
Take advantaged of our flexible guidelines to get funded on your project with ease and efficiency. Asset-focused lending: no income or employment verification needed, and your personal DTI ratio is not considered. Foreign nationals are permitted with conditions.
DSCR Rental Loan
Purchase or refinance of 1-4 unit properties (SFR, duplex, triplex, 4-plex) based on the cash flow performance of the property
Property Types
Residential 1-4 units
Loan Amount
$75,000-$2,000,000
Maximum Loan to Value
Up to 80% on Purchase/Rate & Term Refinance, up to 75% on Cashout Refi
Term Length
30 years
Rate Types
30 yr fixed or 5/7/10 ARM (incl. I/O)
Minimum DSCR
1.10
What is a DSCR Loan?
A DSCR loan is based on the rental income of the property and not the personal income/assets of the borrower. Short for Debt-Service Coverage Ratio, a DSCR loan is perfect for investors who want to scale up their real estate investing business. Usually held in a business entity such as an LLC, the DSCR loan will not count against the personal debt (DTI) ratios of the borrower. Also, even though there is a personal guarantee normally given on the DSCR loan, it will not report to personal credit so long as the loan is paid and maintained in good standing.
DSCR Ratio = Rental Income / (Principal + Interest + Taxes + Insurance)
INVESTOR FRIENDLY SERVICES
Tired of waiting on the bank to say no to your real estate investment financing request? Try our investor friendly solutions that will help you succeed as a property investor. Count on our experience and integrity to deliver a great financing result for your project.
excellent terms
speed to close
lighter documentation
proactive communication
Ready to get started?
Let’s discuss your specific project scenario