Qualify based on property cash flow, not personal income. Perfect for real estate investors looking to expand their portfolio with rental income properties.
Designed specifically for real estate investors, DSCR loans offer flexible qualification criteria based on property performance rather than personal income.
Qualify based on the property's rental income and debt service coverage ratio, not your personal income or debt-to-income ratio.
Streamlined underwriting process with faster approvals. Close in as little as 15-21 days with proper documentation.
Finance single-family rentals, small multifamily properties (2-10 units), and even larger investment properties.
Access competitive interest rates and flexible terms with loan amounts up to $5 million for qualified properties.
No need for tax returns, pay stubs, or employment verification. Perfect for self-employed investors and entrepreneurs.
Choose from various term options including 30-year amortization with competitive prepayment penalties and flexible structures.
Simple qualification criteria focused on property performance and your investment experience.
Minimum 0.75x DSCR (property income covers debt payments)
Higher ratios may qualify for better rates
20% minimum down payment required
Maximum 75% LTV for most property types
Minimum 620 credit score (640+ preferred)
Higher scores unlock better terms
Single family, 2-10 unit properties, condos
Investment properties only
2-6 months of mortgage payments in reserves
Varies by loan amount and property type
Get answers to the most common questions about DSCR loans and investment property financing.