DSCR Loans
Invest with confidence in income-generating properties with a loan that offers long-term financing.
Get a quoteBenefits
- Ideal for financing investment properties, such as rental homes or commercial real estate.
- Lenders evaluate the property's income potential rather than the borrower's personal income.
- DSCR loans consider property cash flow and potential rental income to determine eligibility.
- Use DSCR loans to acquire additional income-producing properties and grow your investment portfolio.
- Secure fixed-rate or adjustable-rate loans with terms suitable for long-term investment strategies.
Eligibility requirements
- Property Type: DSCR loans are designed for income-generating properties, including residential and commercial real estate.
- Debt-Service Coverage Ratio: Lenders typically require a minimum DSCR of 1.25 to ensure property income covers mortgage expenses.
- Property Cash Flow: Lenders assess the property's rental income and operating expenses to calculate the DSCR.
- Down Payment: DSCR loans may require larger down payments compared to traditional mortgages.
- Property Management Experience: Some lenders prefer borrowers with experience managing rental properties.
Example
Meet Mark
Mark, an experienced real estate investor, utilizes DSCR loans to finance multiple rental properties. With a focus on property cash flow and long-term investment goals, he expands his real estate portfolio with confidence.
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