DSCR Loans
For real estate investors focused on monthly cash flow.
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is tailored for real estate investors who prioritize property income over personal tax returns. These loans evaluate the income generated by the property, making them ideal for rental portfolios and investors who reinvest earnings instead of relying on traditional employment income.
KEY FEATURES
- No personal income verification
- Property income-based approval
- Quick and flexible closing
- Loan amounts from $100K to $5M+
Why Choose A DSCR Loan
- Perfect for buy-and-hold investors
- Focuses on cash flow, not W-2 income
- Streamlined underwriting process
Elegibility
- Minimum DSCR: 1.0 or higher
- Property must be income-generating
- 20–30% down payment
- Minimum credit score may apply