DSCR Mortgage Program

What is DSCR?

The DSCR Mortgage Program allows clients to qualify based on rental analysis to assess property cash flow, eliminating the need for personal income documentation. Say goodbye to complex income statements and tax returns with this innovative financing solution.

DSCR Loan Features:

  1. Loans available up to $3 million with a minimum loan amount of $75,000
  2. No income or employment information required for qualification
  3. Short-term rentals, Airbnb, and VRBO properties are permitted
  4. No limit on the number of properties
  5. Interest-only loan structure available
  6. Options for Purchase, Cash-Out, or Rate-Term Refinance
  7. Non-warrantable condos are accepted
  8. Foreign national residents are eligible
  9. Credit scores starting at 640
  10. 20% down payment is required
  11. Primary residence ownership is mandatory

Understanding Debt Service Coverage Ratio (DSCR):

The Debt Service Coverage Ratio (DSCR) is a key measure used to evaluate a property’s ability to generate enough cash flow to cover mortgage payments and operating expenses. By analyzing the DSCR, lenders can assess the property’s repayment capacity and determine loan eligibility based on expected cash flow.

Whether you are an investor seeking financing for rental properties or looking for mortgage options without personal income requirements, the DSCR Mortgage Program offers flexibility, simplicity, and tailored solutions to meet your real estate investment needs. Experience a streamlined qualification process and secure financing based on property cash flow analysis.

Contact us today to learn more about how the DSCR Mortgage Program can help you achieve your real estate investment goals and simplify the loan qualification process.


Receive a quick rate quote instantly.

  • No obligations
  • No impact on credit score
  • Fast and easy process
  • No documents required