DSCR Loan

What are DSCR loans?

A Debt Service Coverage Ratio (DSCR) loan is a type of real estate investment loan that qualifies borrowers based on the property’s income potential rather than their personal income or tax returns. This structure is especially beneficial for investors who may not have strong W-2 income or want to separate personal finances from their investment portfolio. By focusing on the property’s cash flow, DSCR loans provide more flexibility, allow investors to scale portfolios faster, and streamline approval for those with complex financial situations.

Who can apply for these loans?

Real estate investors, homeowners, and anyone seeking to finance a property can apply for these loans. First time investors considered.

How to get started?

You can contact me directly to discuss your investment goals and start the loan application process.

Where can you perform these loans?

Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, Wyoming.

***Title MUST be held by an LLC in FLorida and Georgia. Individuals are prohibited

What are the base requirements?

Minimum 660 credit score and 6 months of reserves.