Your complete source for financing short and long-term investment property
DSCR Cash-Flow Based Financing
for Real Estate Investors
What Type of Real Estate Investor Are You?
Buy & Hold | BRRRR Method | Fix & Flip | New Construction
No matter what your strategy we have financing options to help you succeed.
Grow your portfolio faster with alternative, cash-flow based DSCR lending.
What is DSCR?
DSCR = Debt Service Coverage Ratio.
DSCR is the ratio of rental income to total mortgage payment (PITI). DSCR loans allow qualifying based on the rental income of the property, not your personal income. These cash-flow based loan programs measure a property’s ability to cover the debt service with rental income and make it easier for investors to build a portfolio.
DSCR ratios are allowed down to 0.75% but are most commonly required to be 1.0% or greater. A DSCR of 1.0% means that the rental income is equal to the total debt service payment. Use our simple DSCR calculator to estimate the ratio on your project. —>
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DSCR Calculation
| P&I | |
|---|---|
| Taxes | |
| Insurance | |
| HOA | |
| Total PITI | |
| Total Rent | |
| DSCR |
Supercharge Your BRRRR Strategy With DSCR Financing
The key to maximizing the BRRRR strategy is lower down payments and higher cash-out amounts. Investors can acquire more property with lower down payments combined with the ability to pull out more equity with DSCR compared to traditional lending.
Pre-Qualification uses a Soft Credit Inquiry so your credit score is not affected. There is no cost and no obligation when getting pre-qualified.
How Does DSCR Help Investors?
No Personal Income
No Tax Returns or W2’s
No Debt-To-Income Ratio
Lower Down Payment
No Reserves Needed
Unlimited Properties Owned
Higher Cash-Out
Less Paperwork
Close in an LLC
Compare DSCR Loans
to Traditional Lending
Loan Program Requirements
Need More Cash-Flow?
Interest-Only
Interest-only payments are available with no LTV or FICO restrictions
40-Year Term
Increase loan term to 40-years to lower the payment and increase cash-flow
Pre-Qualification uses a Soft Credit Inquiry so your credit score is not affected. There is no cost and no obligation when getting pre-qualified.
Helping Investors Succeed for Over 20-Years
DSCR Lending Area
Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kentucky, Louisiana, Maine, Maryland/DC, Massachusetts, Mississippi, Missouri, Montana, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Program options and down payment requirements vary based on state
Pre-Qualification uses a Soft Credit Inquiry so your credit score is not affected. There is no cost and no obligation when getting pre-qualified.
