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Unlock investment potential with financing based on your property's cash flow.
Why Invest with a DSCR Mortgage
The Debt Service Coverage Ratio (DSCR) Mortgage is a game-changer for real estate investors, allowing you to qualify based on your property's rental income rather than personal finances. Skip the hassle of tax returns, W-2s, or employment verification—this Non-QM loan focuses on your property's cash flow. DSCR loans empower both new and seasoned investors to scale their portfolios quickly. Perfect for short-term or long-term rentals, including single-family homes, multi-unit properties, or condotels, this loan offers fast closings and unlimited loan opportunities for U.S. citizens, non-permanent residents, and foreign nationals. Start building your real estate empire today!
No Income Verification
Qualify using your property's rental income, not personal finances.
Flexible Property Types
Finance single-family, multi-unit, or short-term rental properties.
Fast Closings
Streamlined approvals, often closing in 20-30 days.
Key Features of DSCR Mortgages
No Loan Limit
No cap on the number of DSCR loans, ideal for portfolio growth.
DSCR-Based Approval
Qualify based on a Debt Service Coverage Ratio of 1.0 or higher. It means your rental property's income, after expenses like taxes, covers the mortgage payment.
Cash Reserves
3-6 months of mortgage payments required to cover vacancies or expenses.
Broad Eligibility
Open to first-time investors (with prior property ownership), non-permanent residents, and foreign nationals.
Is a DSCR Mortgage Right for You?
DSCR Mortgages are perfect for real estate investors looking to leverage property cash flow without personal income verification. Unlike Conventional loans, which demand extensive financial documentation, or FHA loans, which are limited to primary residences, DSCR loans offer flexibility for rental properties.
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