DSCR Loans Available in All 50 States
Cash Flow Based Investor Financing for Rental Properties
DSCR Loan Program Highlights
Loan amounts starting at competitive investment thresholds
Up to 80% LTV depending on property and borrower profile
Fixed and adjustable rate options available
Short term rental eligible programs
Cash out refinance options available
No personal income documentation required
Fully underwritten TBD approvals available
*Information is subject to change. Certain restrictions apply. Subject to borrower approval.
Speak with an Investor Loan Specialist
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If you need to speak with someone today please call 800-320-0447 or 585-288-2930.
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What Is a DSCR Loan?
A DSCR loan, or Debt Service Coverage Ratio loan, is a mortgage designed specifically for real estate investors.
Instead of qualifying based on personal income, DSCR loans are approved using the property’s cash flow. The lender evaluates whether the rental income covers the projected mortgage payment.
This structure makes DSCR financing ideal for investors who:
Own multiple properties
Operate short term or Airbnb rentals
Purchase in an LLC
Prefer asset based underwriting
Want to scale without traditional income documentation
DSCR loans are available nationwide for long term rentals, short term rentals, and small multifamily properties.
*Information is subject to change. Certain restrictions apply. Subject to borrower approval.
What Our Clients Say...
DSCR Loans in Rochester, NY
Our Tailored Long-Term DSCR Investor Loans
If you invest in real estate, an investor cash flow mortgage can be an excellent option to help you to continue to finance properties without needing to show your specific income from your job or other sources, but instead rely on the cash flow from your properties. This is particularly beneficial in the state of California where the real estate market is hot and ultra competitive.
Having access to this kind of financing can help you get approved faster as well as get you approved for more money than going through the long and tedious steps of a conventional mortgage.
However, it’s worth noting that you’ll need to demonstrate that you’ve been involved in the real estate investing industry or you have experience owning and managing multiple properties for at least six months.
*Information is subject to change. Certain restrictions apply. Subject to borrower approval. Not applicable in West Virginia. Not available on Texas 50(a)(6). Pre-payment penalties by state as permissible by law. Pre-payment penalty options not available in District of Columbia, Alaska, Kansas, Massachusetts, Minnesota, New Jersey, New Mexico, and Vermont.
Why Investors Choose DSCR Financing
DSCR financing provides flexibility and scalability for investors building rental portfolios.
Key benefits include:
No W2s or personal income verification
Qualification based on rental property cash flow
LLC ownership eligible
Fast closings with streamlined underwriting
Short term rental friendly options
Available in all 50 states
DSCR Investor Loans Nationwide
We provide DSCR loans for investors across all 50 states. Whether you are purchasing in New York, Florida, Texas, Arizona, or expanding your portfolio nationwide, our investor financing platform allows you to scale efficiently.
We support:
Single family rental properties
Short term rental properties
2 to 4 unit properties
Small multifamily assets
LLC and entity ownership
If you are looking for nationwide DSCR lending, connect with our team to review your property and projected cash flow.
