DSCR Loans

DSCR's for Real Estate Investors

The DSCR Loan is a specialized mortgage designed exclusively for acquiring short-term or long-term rental investment properties.

The primary benefit of this financing is the qualification standard: borrowers are approved based on the credit score and the property's potential cash flow, as determined by a professional rental analysis. No personal income verification, tax returns, or employment history are required for qualification. There is no seasoning of reserve funds at closing, or no cap on number of loans we can do for you.

The Debt Service Coverage Ratio (DSCR) is the core measurement used to determine the property's ability to service the debt. It is calculated by dividing the property’s Net Operating Income (NOI) by its total debt obligations, which includes the proposed mortgage payment.

We can also issue a loan under a personal name, LLC, or Corporation.

What I provide DSCR's for

Types of Real Estate:

Single Family Houses
2-4 Unit Multi-Family
Condos

Types of Programs:

30yr Fixed
5/6 &7/6 ARM
Interest Only

DSCR Terms:

80% LTV for Purchase or Refi
75% for Cash Out Refi
75% LTV for Purchase or Refi (Cook Co.)
70% for Cash Out Refi (Cook Co.)

HOW IT WORKS

STEP 1

First, locate the specific property you are targeting and complete your preliminary investment analysis to establish feasibility.

When you contact us, share this analysis and a clear outline of your overall investment goals. This provides the foundation for our strategic discussion.

Request Analysis

STEP 2

STEP 1

We will contact you within a few hours of submission to schedule a deep-dive conversation focused on project details and selecting the optimal DSCR loan type for your long-term acquisition strategy.

After our discussion, we'll gather your information and the necessary documents and details to process your funding.

STEP 3

STEP 1

STEP 3

After our strategy discussion, we will provide your customized term sheet and rates for review.

Once approved, we move immediately to conduct the necessary property due diligence and efficiently begin processing your DSCR loan, ensuring a swift path to funding.

STEP 4

STEP 1

STEP 3

Upon completion of the loan closing process, funds are disbursed immediately. This enables you to efficiently purchase your property or execute a cash-out refinance on your current asset, allowing you to move forward without delay.

DSCR Loans

DSCR's for Real Estate Investors

What I provide DSCR's for

We're here to discuss your goals and explore a potential partnership.

HOW IT WORKS

STEP 1

STEP 1

STEP 1

STEP 2

STEP 1

STEP 1

STEP 3

STEP 1

STEP 3

STEP 4

STEP 1

STEP 3

Ready to execute that BRRRR?

DSCR Loans

DSCR's for Real Estate Investors

What I provide DSCR's for

We're here to discuss your goals and explore a potential partnership.

HOW IT WORKS

STEP 1

STEP 1

STEP 1

STEP 2

STEP 1

STEP 1

STEP 3

STEP 1

STEP 3

STEP 4

STEP 1

STEP 3

Ready to execute that BRRRR?

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