Back to projects

DSCR

DSCR

DSCR

Content

Is a DSCR Loan Right for You?

Is a DSCR Loan Right for You?

A DSCR (Debt-Service Coverage Ratio) loan—commonly referred to as a cash-flow or investor loan—is a type of real estate financing that focuses on a property’s rental income rather than the borrower’s personal income. These loans are typically used to fund income-producing assets like rental homes, apartment buildings, or commercial spaces. If you’re an investor looking to scale your portfolio without traditional income documentation, a DSCR loan may be the solution.

A DSCR (Debt-Service Coverage Ratio) loan—commonly referred to as a cash-flow or investor loan—is a type of real estate financing that focuses on a property’s rental income rather than the borrower’s personal income. These loans are typically used to fund income-producing assets like rental homes, apartment buildings, or commercial spaces. If you’re an investor looking to scale your portfolio without traditional income documentation, a DSCR loan may be the solution.

A DSCR (Debt-Service Coverage Ratio) loan—commonly referred to as a cash-flow or investor loan—is a type of real estate financing that focuses on a property’s rental income rather than the borrower’s personal income. These loans are typically used to fund income-producing assets like rental homes, apartment buildings, or commercial spaces. If you’re an investor looking to scale your portfolio without traditional income documentation, a DSCR loan may be the solution.

Benefits

Cash-Flow-Based Qualification:

Approval is based on the rental income of the property, not your W-2s, tax returns, or paystubs.

Higher Loan Potential:

Because the loan size is tied to the income potential of the property, you may qualify for more than you would with a traditional mortgage.

Flexible Terms:

DSCR loans can include options like interest-only payments, longer amortization schedules, and reduced documentation.

Scalable Financing:

Investors can use DSCR to quickly acquire multiple properties without the bottlenecks of standard loan approvals.


Create a free website with Framer, the website builder loved by startups, designers and agencies.