Our Debt Service Coverage Ratio (DSCR) Loan Program is designed for real estate investors seeking a straightforward financing solution based on the cash flow generated by their investment properties. Unlike traditional loans, which require detailed personal income documentation, the DSCR loan program focuses on the property’s ability to cover its debt obligations, making it an ideal choice for investors with complex financial situations or multiple investment properties.

Key Features of the DSCR Loan Program:

• The loan approval is based on the property's DSCR, which is calculated by dividing the property’s net operating income (NOI) by its total debt service (principal and interest payments).
• A DSCR of 1 or higher indicates that the property generates sufficient income to cover its debt obligations.

• Reduces the need for personal income verification such as tax returns, pay stubs, or personal bank statements.
• Focuses on the property’s rent roll, lease agreements, and operating expenses to determine eligibility.

• Offers a variety of loan term options, including both fixed and adjustable-rate mortgages, to meet different investor needs.
• Provides competitive interest rates based on the property’s financial performance.

• Suitable for financing both residential and commercial investment properties.
• Provides attractive loan-to-value (LTV) ratios and interest rates based on the property’s DSCR and overall market conditions.

• Real estate investors with multiple properties who want to use rental income to qualify for loans.
• Investors looking to purchase or refinance properties without relying on personal income documentation.
• Borrowers with complex financial situations or those who wish to keep their personal and investment finances separate.

Benefits of Choosing Our DSCR Loan Program:

• Streamlined Process: Simplifies the loan approval process by focusing on the property’s cash flow rather than the borrower’s personal income, making it quicker and more efficient.
• Enhanced Accessibility: Expands financing opportunities for real estate investors who might not qualify for traditional loans due to complex or non-traditional income streams.
• Tailored Solutions: Our experienced team works closely with brokers to provide customized mortgage solutions that address the specific needs of real estate investors, helping them grow their portfolios efficiently.