Debt Service Coverage Ratio (DSCR)

DSCR loans are designed for the experienced real estate investor purchasing or refinancing investment properties that he or she plans to hold for business purposes. Instead of requiring income and employment history, the lender will look at your cash flow to determine loan eligibility.

This is the most popular among real estate investors. DSCR loans can be a good option for real estate investors because they often have more flexible underwriting criteria than traditional loans, making them easier to qualify. Additionally, DSCR loans can provide investors with access to cash that they can use to purchase additional properties, grow their portfolios, and increase their returns.

Product Features  – One to Four Unit Properties

• Loans up to $3 Million
• No minimum DSCR ratio
• Purchase and Refinance

Multi Family Units – For 5-8 unit

Residential investment properties and 2-8 unit mixed-use investment properties. 

• Credit scores starting at 660
• Loans up to $3 Million
• Minimum qualifying DSCR 1.0
• Up to 75% LTV on Purchases
• Cash-out up to 70% LTV with 700 FICO

** Commercial Financing is available on eight units or more. Contact one of our licensed loan originators for more details.