DSCR

Debt Service Coverage Ratio | No Income | Stated income

We Have Mortgage Options Others Don't

Proudly serving
CA | FL | GA | NC | SC

Do Any of These Describe You?

  • Buying an Investment Property
  • Own an Investment Property

Then Keep Reading!

Program Highlights

  • Mortgage qualify using rental income ONLY including:
    • Short Term Rent (Airbnb, Vrbo, etc.)
    • Long Term Rent (leased)
  • Debt Service Coverage Ratio (DSCR) mortgages for Rental Homes
  • Loan Types:
    • Home Purchase Mortgage
    • Rate/Term Refinance Mortgage (lower payment, get out of hard money, etc.)
    • Cash Out Refinance Mortgage (debt consolidation, business loans, etc.)

The United States real estate market offers some of the most strategic, lucrative means to financial success; it’s no wonder why so many people want to invest in properties. The real wonder is why lenders haven’t figured out more ways to allow people to invest. Well, they actually have, and it’s regulated by the government, all legal—no funny business.

DSCR Mortgages allow you to purchase or refinance rental homes without employment info. As a matter of fact, other than the cash flow from the rental, lenders don’t ask about income. If you prefer to use a mortgage vs buying all-cash, or want a cash-out refi on your current investment property, these loans are great options that don’t require tax returns or personal income.

Want to capitalize on the new wave of renting via outlets such as Airbnb? Already have rentals and looking to buy more? Need cash to renovate? How about improving your monthly cash-flow? 

We have partnerships with lenders offering solutions for all these and more—including $1M+ homes. People are purchasing rental homes with as little as 15% down; doing cash out loans up to 80% of value; getting interest-only payments to maximize cash flow. People are also doing this by providing or by not providing personal income—we’ll show you both sides and discuss the strategies available.

There are generally 2 routes when qualifying for a DSCR loan (aka No Income loan aka Stated Income loan):

  • No DSCR: rent doesn’t matter, payment doesn’t matter
  • 1:1 DSCR: the rent at least covers the housing payment. This can be based on the current rental agreement or by an appraiser’s opinion of market rent for comparable homes

Commonly Used DSCR Mortgage Terms

  • DSCR loan
  • DSCR mortgage
  • DSCR home loan
  • DSCR refinance
  • Debt Service Coverage Ratio loan
  • Debt Service Coverage Ratio mortgage
  • Debt Service Coverage Ratio home loan
  • Debt Service Coverage Ratio refinance
  • Rental Income loan
  • Rental Income mortgage
  • Rental Income home loan
  • Rental Income refinance

We Have Mortgage Options Others Don't

Proudly serving
CA | FL | GA | NC | SC

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