You're not limited by your income anymore – own as many properties as you like

Qualify based on your rental property's income, not your personal finances. Get funded faster and grow your real estate portfolio with our specialized DSCR loan programs.

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Ideal for

Who Qualifies for a DSCR Loan?

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

DSCR Loan Programs

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

  • Stabilize DSCR with I/O Feature
  • Close in LLC or corporation
  • Housing History: 0x30x12
  • Housing Events Seasoning: 24+ months
  • First Time Investor (primary home required)
  • Gift Funds Allowed (minimum 10% borrower contribution)

FICO

640 min.

LTV

80% max.

Ideal for: First-time and experienced investors looking to purchase or refinance single-family homes, duplexes, triplexes, or fourplexes.

Explore Loan Programs

Program Perks

Benefits of DSCR Loans

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

Guidelines for DSCR Loan Programs

Simplified financing for real estate investors based on property cash flow.

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Key Features of DSCR

  • No Personal income required
  • FICOs starting at 620
  • 80% LTV DSCR Loans
  • Loan Amount up to $3 M
  • Mixed-Use, Multi-Family DSCR
  • Cash Out 75% LTV
  • No Tax Returns Needed

Eligible Property Types

  • SFR and Condo Loans
  • 1 – 4 Units Residential
  • Up to 10 units – Mixed Use
  • First Time Home Buyer Allowed
  • First Time Investor Allowed
  • Gifts Funds Allowed
  • Close in LLC or Corp

Terms Options

  • 15-Year Fixed
  • 30-Year Fixed
  • 40-Year Fixed
  • 5/6 ARM
  • 7/5 ARM
  • Interest only available

Flexible DSCR Loans

  • Focus on DSCR for income-based approval.
  • Competitive, affordable interest rates.
  • No tax returns required for easy application.
  • Flexible loan amounts for diverse needs.

Our Process

Your income won't limit your property portfolio; there's no cap on how many you can own.

Application Submission
Rapid Review and Decision
Tailored Loan Offers
Competitive Rates and Terms
Customizable Repayment Plans
Dedicated Support
Profile

Anton Guerrero

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.

Get Pre-Qualified

with Anton Guerrero

Book an Strategy Appointment with Anton Guerrero

Connect with our experts to explore tailored financing solutions for your investment properties.

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Take the first step toward your dream home with a free call. Get expert guidance and personalized mortgage solutions today!

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Looking to achieve your financial objectives?

Our straightforward online application process makes securing the loan you need quick and hassle-free.

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Customer Service

Please provide your query, and we will assist you as quickly as we can.

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Start Application

Submit your application, and we’ll assist you promptly every step of the way.

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Contact Us

Contact us for timely assistance, & we’ll be glad to help.

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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

© 2024 Investor Loan.

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Legal Disclaimers

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