DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors who want to qualify based on a property’s rental income rather than their personal income. Whether you’re purchasing your first rental property or expanding your investment portfolio, we provide flexible financing solutions to help you grow with confidence.
From single-family rentals to multi-unit investment properties, we’ll help you choose the right loan structure and guide you through every step of the financing process.
Qualify using your property’s cash flow instead of traditional income verification.
Use a DSCR loan to purchase a new investment property or refinance an existing rental.
Competitive financing for single-family homes, condos, townhomes, and multi-unit investment properties.
Personalized support from application through closing to ensure a smooth investment financing experience.
Who it’s for: Ideal for real estate investors looking to finance rental properties using the property’s income rather than traditional employment documentation.
A DSCR loan is designed for real estate investors and qualifies borrowers primarily based on the property’s rental income rather than personal income or tax returns.
In many cases, no. DSCR loans focus on the property’s ability to generate enough rental income to cover the mortgage payment.
Yes. DSCR loans are commonly used by investors who own or plan to acquire multiple rental properties.
Absolutely. DSCR loans can be used to refinance existing investment properties, potentially improving cash flow or accessing equity.
Most lenders offer DSCR financing for:
