DSCR loans are a type of non-QM loan specifically designed for real estate investors. Unlike traditional mortgages that heavily rely on your personal income, DSCR loans assess your eligibility based on the rental income generated by the investment property itself. The DSCR is a ratio that compares the property's net operating income (NOI) to its annual debt service. A higher DSCR indicates a stronger ability to cover mortgage payments, making you a more attractive borrower.
Real Estate Investors: Individuals who own or are looking to purchase rental properties.
Self-Employed Investors: Those with fluctuating income or significant tax deductions.
Portfolio Builders: Buyers whose offers are contingent on selling their current property.
Borrowers with Strong Equity: Investors seeking to expand their real estate holdings.
First-Time or Experienced Investors: We welcome investors at all experience levels.
Property Cash Flow Focus: Approval criteria emphasize the Debt Service Coverage Ratio (DSCR), ensuring the property’s income can cover the loan payments.
Competitive Interest Rates: Attractive interest rates are designed to provide cost-effective and affordable financing options.
No Tax Return Needed: Simplified application process with no requirement for tax returns, making it easier and quicker to secure a loan.
Wide Range of Loan Amounts: Flexibility in loan amounts to suit various property sizes and investment needs.
