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DSCR Loans for Investors
Qualify based on your property’s income, not personal employment or income.



Loan Process Overview
What is a DSCR Loan?
Our DSCR Loan Program, Simplified
Our DSCR loan is designed for investment properties. We focus on the property’s rental income, not your personal income or credit score.
How It Works:
- We estimate the property’s rental income.
- We compare it to the proposed mortgage payment.
- If the income covers or exceeds the mortgage, the property qualifies for our loan.
In short, if the property can pay for itself, you’re ready to go!

How We Qualify the Loan
Here’s a glimpse at how we qualify your loan – take your gross rents, based off the lesser of market rents or lease agreement, and divide by the PITIA (full amortization) or ITIA (interest only). For example:
Submit Property Info
If your debt-service-coverage-ratio is ≥ 1.00 you’ve got a DSCR:
gross rents
$ 1500
/
Mortgage Payment
$ 1500
=
DSCR
1.00
full amortization
If your debt-service-coverage-ratio is < 1.00 we qualify the loan at a different price (nearDSCR):
gross rents
$ 1500
/
Mortgage Payment
$ 2000
=
nearDSCR
0.75
DSCR financing

short-term rentals
Short-term rentals (STRs), often called vacation rentals, are homes rented out for short stays, from one night to a month. They’re great for real estate investors because of their earning potential and flexibility. You, as the owner, can choose exactly when to rent out your property, be it nightly, weekly, or monthly.

long-term rentals
Long-term rentals are properties that are purchased and rented out for long-term leases. An LTR property can range from a single-family home, townhouse, multi-family home, apartment or condo and is associated with providing tenants accommodation for an extended period; generally, a minimum duration of six months or greater.

multi-family Rentals
A multi-family property, or multi-dwelling unit (MDU), is a residential building with more than one rentable space. The most common examples are duplexes, triplexes, and quadplexes. Multi-family investments allow for the acquirement of multiple properties within one building and are the epitome of scalability. They are the perfect wealth-building tool for those looking to expand their real estate investment portfolio.
Get an Estimate
Please answer a few questions and submit this form to receive a loan estimate.
Requesting a loan estimate is simple and quick. Best of all, there are no obligations and no charges. Answer a few questions and allow us the opportunity to send you a personalized estimate and show you how our innovative loan products can best serve you.
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