Debt Service Coverage Ratio (DSCR) loans are real estate financing solutions designed for investors whose property’s income — not personal income — determines their ability to qualify. This makes DSCR loans ideal for real estate investors, self-employed borrowers, and professionals with strong asset portfolios but limited W-2 income.
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This loan program makes it easy for real estate investors to acquire the property quickly. Closing times take 14-21 days. The credit score requirement starts at 660 minimum and all property values must be at 100k and up.
As long you break even on the property, we can help you get as many loans as you like! This allows us to focus solely on credit and liquidity.
Up to 85% loan-to-value on single-family residence, 2-4 units, condos, and townhomes.
Purchase, refinance, or cash-out options available
Minimum credit score of 640+ for 1-4 units and condos
Loan term 30-year fixed/fully amortized
Hybrid ARM options available, 5/1, 7/1, 10/1 Amortized over 30 years.
10 year interest only option!
15% down payment required
Blanket Loans available
NO income verification required
DSCR 1.0
NO DSCR option available!
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 640.
Get underwriter approval in 48 hours and your deal funded in 15 days.
We offer some of the highest loan to values in the industry. We’ll even fund 100% of your rehab costs!
Closings within 15 business days. Don't waste another day. Call a loan guy now!
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