DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who can use the income generated by their investment property to qualify for a mortgage, rather than relying on their personal income.
Ideal borrowers include real estate investors, self-employed individuals, and high-net-worth individuals. Portfolio builders also benefit by relying on rental income . These loans suit those whose property income supports the mortgage.
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Own as many properties as you desire – your income won't hold you back
Ready to take the next step toward your financial goals? Our simple online application process makes it easy to apply for the loan you need.
The Loan Program
Imagine owning as many properties as you want, without your income getting in the way
Maximum Loan Amount: Up to $3 million loan amount
Minimum Loan Amount: $75,000 minimum loan amount
Loan Purposes: Purchase, rate & term refinance, cash out refinance
Property Types: Single-family residences, 2-4 unit properties, condos, and condotels
Interest Only Options: Available
Eligible Borrowers: Self-employed, freelancers, business owners
Additional Features
FICO
LTV
Ideal for: First-time and experienced investors looking to purchase or refinance single-family homes, duplexes, triplexes, or fourplexes.
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Program Perks
DSCR loans offer several key advantages for real estate investors:
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Qualify based on property cash flow, not your W-2 income or tax returns.
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We offer attractive rates tailored to investment properties.
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Finance single-family homes, multi-family units, condos, and even mixed-use properties.
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We support aspiring investors with programs designed for those new to real estate.
The guidebook
Simplified financing for real estate investors based on property cash flow.
Your income won't limit your property portfolio; there's no cap on how many you can own.
Sr. Loan Officer
Personal income can only fuel your portfolio growth to a certain point, limiting your ability to expand; that’s where DSCR (Debt Service Coverage Ratio) loans become invaluable, allowing you to bypass conventional income-based lending. Conventional loans rely on your personal income, effectively capping your borrowing potential after a few properties. DSCR, on the other hand, focuses on the property's gross rental income versus its debt (principal, interest, tax, and HOI), with a higher ratio often translating to lower interest rates.
Connect with our experts to explore tailored financing solutions for your investment properties.
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17341 Irvine Blvd., Suite 285 Tustin, California. 92780
NMLS # 1967260
+1 (818) 443-0579
anton@theinvestorsloan.com
Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
17341 Irvine Blvd., Suite 285 Tustin, California. 92780
NMLS # 1967260
+1 (818) 443-0579
anton@theinvestorsloan.com
Business Hours Monday - Friday 8:00 AM to 5:00 PM PST
© 2024 Investor Loan.
The Investors Loan is a DSCR Loan Division of Ameritrust Mortgage Corporation, NMLS #217229 located at 17341 Irvine Blvd., Suite 285, Tustin, CA 92780. Ameritrust Mortgage Corporation does not provide legal, tax, or financial advice or guidance and is not associated with any government agency. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals are subject to underwriting guidelines and minimum credit requirements. Not all loans or products are available in all states. As a result of refinancing, your total finance charges may be higher over the life of the loan. Minimum and maximum loan amounts apply. For current licensure information, please visit: www.nmlsconsumeraccess.org
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