DSCR
30-yr Rental Loans based on rental income, not DTI!
DSCR
Rental Loans
A Debt-Service Coverage Ratio (DSCR) loan lets you qualify based purely on your rental property's income - not your personal income. Your property's ability to generate rent to cover its mortgage payments is what matters.
Example: If your property brings in $3,000 monthly rent and has a $2,000 mortgage payment, that's a DSCR of 1.5 - which shows strong cash flow coverage of your debt.
Perfect for: Real estate investors who want to qualify based on property performance rather than personal income.
DSCR Calculator
Yearly Rental Income minus Operating Expenses (taxes, insurance, maintenance, etc.)
Monthly Loan Payment (principal, interest) × 12 months
That's all you need to know to calculate your DSCR! Hit calculate below.
DSCR: -
No DTI Calculated
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LLCs Welcome
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Cashflow-based Approval
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No DTI Calculated • LLCs Welcome • Cashflow-based Approval •
30 yr fixed rate or ARM
No Tax Returns
Rate Locks Available
No Call. 30-Year Amortization
For Cash-Out Refis, Rate-And-Term Refis, and New Purchases
Up to 80% LTV
Single-Family and 2-9 Unit Residential
No-Prepayment Options Available
Program Highlights
Looking for a shorter term to secure a property ASAP? Check out our Bridge Loan Program to get you closer to closed.
Have a property that needs a lot of love? Take a look at our Fix & Flip Program for your next big project.