Financing Built for Modern Investors
For many real estate investors, traditional debt-to-income (DTI) requirements become a roadblock to scaling. DSCR (Debt Service Coverage Ratio) loans change the game by focusing on the asset's performance rather than your personal paystubs or tax returns.
If the rental income of the property covers the mortgage, taxes, insurance, and HOA fees, the property qualifies for financing. This allows you to expand your portfolio based on the merit of your investments.
- No Personal Income Required: No DTI calculations or tax return verifications.
- Unlimited Portfolio Size: Bypass the "10-loan limit" often found with conventional financing.
- Entity Vesting: Close in the name of your LLC or Corporation to protect your personal assets.
- Short-Term Rental Friendly: Perfect for Airbnb and VRBO properties using projected market rents.
Quick Tools
What is a "Good" DSCR Ratio?
The Debt Service Coverage Ratio is calculated by dividing the monthly gross rent by the monthly PITIA (Principal, Interest, Taxes, Insurance, and Association dues). Most lenders look for a ratio of 1.0 or higher, meaning the property "breaks even" or generates a profit.
However, we offer specialized programs for "No-Ratio" loans where the property may not yet be cash-flowing, allowing you to secure the asset and improve its performance over time.
The Investor's Path
DSCR Loan Process
Asset Analysis
We review the subject property's estimated rental income and market data.
Rent Schedule
An appraiser completes a Form 1007 to verify the fair market rent for the unit.
Swift Underwriting
Because we aren't chasing tax returns, our DSCR approvals are typically much faster.
Close & Scale
Fund your deal in your LLC's name and move on to your next acquisition.
Have a deal on the table?
Send us the property address and the estimated rent. We'll give you a DSCR quote within 24 hours.