DSCR Loans

Qualify for a home loan without using your tax returns. As a real estate investor, you can avoid high rates and high points of private loans, lengthy approval processes, and strict lending criteria with a debt service coverage ratio loan, which is a type of no-income loan. Qualify for a loan based on your property’s cash flow, not your income.

 

Benefits of DSCR Loans for real estate investors include:
  • Potentially quicker closing times
  • No income or job history verification required
  • No limit on the number of properties
  • Loan amounts up to $5,000,000
  • Unlimited cash out
  • As little as 20% on down payments
  • Interest-only loan option available
  • Suited for new and seasoned real estate investors
  • Both long-term and short-term rentals are eligible (Airbnb, VRBO, etc.)
  • No reserves required on cashout loans, 6 months required on all other loans unless the DSCR ratio is less than 1.

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