DSCR Rental Loan
Streamlined Funding Process
Take advantaged of our flexible guidelines to get funded on your project with ease and efficiency.
Market-leading low fees and rates (get our quote and compare to others).
Asset-focused lending: no income or employment verification needed, and your personal DTI ratio is not considered. Allows you to scale your portfolio by adding properties again and again with new DSCR loans.
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
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