DSCR Loans for Real Estate Investors

Serving Colorado, Florida, Massachusetts, Michigan, Rhode Island

 
 
 

 The Benefits of DSCR Loans

Simplifying Debt Service Coverage Ratio Loans for Investors

 
 
 

Simplified Borrowing

As a seasoned investors you need to simplify the loan process and the time spent. With DSCR loans you are not required to provide your personal finances to get to the closing table.

Higher Loan Limits

With these quick moving loans, investors are also able to come up with the necessary capital to purchase using rental property cash flow. Depending on your lender they may use current rent rolls or they can consider market values over todays rent.

Flexible Loan Terms

DSCR loans make rooms for a variety of benefits from faster close times, to unlimited cash outs and interest only options.

 
 

 What DSCR Borrowers Need To Know

 
 

​It’s all about the property. With DSCR loans the subject property is the focus of the loan, you can have multiple properties in your portfolio, but loan consideration is still based on the subject property.

Refinancing and purchase options.  These programs give investors traditional options without the headaches of using personal finances. It’s that simple.

Higher Loan Limits. DSCR loans allow seasoned investors to get more purchasing power.

 
 
 
 

DSCR Loan FAQs

 

  • Interests rate are variable and have multiple options. You can do fixed, ARMs and more, just as you could with a conventional loan, the only difference is these loans are geared toward investors.

  • The terms are remarkably similar to a traditional 15 or 30 year mortgage, however, every situation is different. The only way to properly pinpoint if a conventional or 1099 loan is the right product for you and your financial goals is to talk with one of our loan officers. If you are ready to talk to our loan officers, click here.

  • DSCR stands for Debt Service Coverage Ratio. It is a measurement of a available cash flow to pay current debt obligations.

  • Qualifying is based on the subject properties cash flow to determine what you are eligible for.