DSCR Loans for Real Estate Investors
Qualify based on property cash flow — not personal income. Fast closings, 30-year terms, and no tax returns required.
Cash-Flow-Based Loans. No Tax Returns. No Employment Verification.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors building rental portfolios. Approval is based on the property’s income — not your W2, pay stubs, or tax returns. Whether you’re a seasoned investor or just getting started, we offer fast, flexible financing with 30-year terms and minimal documentation.
✔ No income or employment verification
✔ Approval based on property cash flow (DSCR ≥ 1.0x)
✔ Loan sizes: $100,000 – $5,000,000
✔ 30-year fixed and ARM options
✔ Available for single-family, multifamily, and mixed-use properties
✔ Ideal for buy-and-hold investors and rental property refinances
Loan Program Details
| Property Type |
Single Family Residential
2 to 4 Units Condominiums Townhomes
Multi-Family (5 to 10 Units)
Short-Term Vacation Rentals Portfolios |
|
|---|---|---|
| Loan Amount |
Purchase/Rate & Term Refinance: $75,000 to $3,000,000 Cashout Refinance: $500,000, unlimited at 60% LTV (seasoning requirements apply) |
|
| Amortization | Interest as disbursed, interest-only terms available | |
| Experience Requirement |
One guarantor must have at least 12 months of prior real estate investment experience. First-Time Investors: -5% LTV Leverage Adjustment |
|
| Loan Term | 30-Year Fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM | |
| Minimum FICO | 660 | |
| Minimum DSCR |
1.0x for Single Family Residences and 2 to 4 Units 1.15x for Multi-Family and Crossed Properties |
|
| Interest Rate | As low as 5.5% (Rate Lock available) | |
| Loan Purpose |
Purchase Refinance (permits required where applicable) Cashout |
|
| Prepayment Penalty | Standard Declining Penalty (0 to 5 years) | |