Qualify for investment property financing based on the property's rental income, not your personal income. DSCR mortgages are the smart way to expand your real estate portfolio.
A Debt Service Coverage Ratio (DSCR) mortgage is a type of loan that qualifies borrowers based on the property's ability to generate enough rental income to cover the mortgage payments, rather than the borrower's personal income.
We evaluate the property's rental income potential using market rents and lease agreements.
We calculate the ratio by dividing rental income by total debt service (mortgage + taxes + insurance).
If the DSCR meets our requirements (typically 1.0 or higher), you qualify for financing.
Self-employed or have complex income? No problem. Qualify based on property cash flow, not personal income documentation.
Acquire multiple investment properties without hitting conventional lending limits. Build your real estate empire faster.
Streamlined underwriting process with fewer documents required. Close deals quickly before opportunities disappear.
Keep your personal financial information private. The property's performance speaks for itself.
Our DSCR mortgage requirements are designed to be flexible while ensuring sound lending practices. Here's what you need to qualify.
Minimum 0.75 DSCR (1.0+ preferred for best rates)
25% minimum (20% available for qualified borrowers)
620 minimum (640+ for best terms)
2-6 months of mortgage payments in reserves
1-4 unit residential investment properties
Our streamlined process gets you from application to closing in as little as 14-21 days. Here's how it works.
We start by analyzing your investment property's rental income potential and calculating the DSCR ratio. Our experts will review market rents, existing leases, and property details to determine qualification.
Initial qualification and property analysis completed
Document collection and verification process
Unlike traditional mortgages, DSCR loans require minimal personal financial documentation. We focus on the property's performance rather than your personal income history.
Our specialized DSCR underwriting team reviews your application using property-focused criteria. We verify the rental income, property condition, and calculate final loan terms.
Underwriting review and final approval
Closing process and funding
Schedule your closing, sign the documents, and receive your funds. Our closing team coordinates with all parties to ensure a smooth transfer of ownership.
From application to closing, we deliver fast results without compromising quality
Get answers to the most frequently asked questions about DSCR mortgages and investment property financing.
Our DSCR mortgage specialists are here to help you understand all your options