DSCR Loans: income-based long-term financing

Financing focused on your property’s cash flow, not your personal income.

Who benefits from DSCR loans?

Ideal solutions for real estate projects with sustainable income

DSCR loans are tailored for investors seeking financing for income-generating properties. Approval is based on the property’s cash flow rather than personal income, making them ideal for building investment portfolios across multiple properties or positive cash flow projects.

Investment portfolios:

Investors with multiple properties.

Positive cash flow:

Projects with consistent income covering debt service.

Key features of DSCR loans

Flexible terms and competitive rates for your investments.

With long-term financing options and approvals based on property performance, our DSCR loans are ideal for investors seeking stability and profitability in their projects.

  • Property Types: Single-family homes, multifamily properties, townhomes, PUDs, and condos.
  • Loan Amount: From $125,000 to $2,500,000.
  • Term: 30 years, fixed or adjustable rates available.
  • Loan-to-Value (LTV): Up to 80% for purchases, 75% for refinancing, and 70% for cash-out.
  • Interest Rate: Starting at 6.875%.
  1. 45 to 60 days for closing.
  2. Foreign nationals accepted.

Apply for your DSCR loan today






    Requirements for your application

    Learn about the criteria needed to apply.

    • 3 months of bank statements
    • ID, passport, (US visa for foreign nationals)
    • Entity Documents (LLC or Corp), EIN & OP Agreement
    • 6 months liquidity/reserves
    • Non-owner occupancy certification
    • SSN for credit report and background check
    • Evidence of insurance (full replacement + 500K liability)+ 6 months rental loss
    • Minimum Fico score of 660
    • Signed loan application
    • Income based in rental cash flow subject to A DSCR ratio of 1:10
    • HOA documents (only condos)
    • Foreign nationals: asset sourced and seasoned for 60 days in US FDIC insured bank

    FAQs:

    It’s a loan evaluated based on the property’s income-to-debt service ratio.

    No, approval is based solely on the property’s cash flow.

    Up to $2,500,000, with larger amounts evaluated case by case.

    Yes, with declining penalties over the first 5 years.