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DSCR Loans

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What are DSCR Loans?

DSCR Loans, are also known as investor cash flow loans, are a type of mortgage specifically designed for real estate investors and rental property owners.  Unlike Conventional loans, DSCR loans emphasize the property’s cash flow instead of the borrower’s personal income or other debt.  By using the property’s cash flow as the main qualification factor, DSCR loans provide real estate investors with the opportunity to purchase and refinance rental properties more easily.

DSCR Loans are ideal for investors who want to purchase or refinance rental properties based on the cash flow of the property, but do not have enough personal income to qualify for conventional mortgages. They are also suitable for investors who want to avoid income verification or tax returns, or who want to acquire multiple properties.

Overall, DSCR home loans provide a valuable tool for investors looking to expand their portfolio and generate income through rental properties.

Enjoy a great lending experience when you have a devoted Premier Lending Group loan expert help you understand the best options to meet your needs.

How do DSCR Loans work?

DSCR Loans work by calculating the debt service coverage ratio (DSCR) of the property, which is the ratio of the annual gross rental income to the annual debt obligations, such as mortgage payments, taxes, insurance, and HOA fees. The higher the DSCR, the more cash flow the property generates.

Benefits of DSCR Loans

Can be used to purchase or refinance a property
Any type of single family and multi family property allowed with no limit on the number of units
Fixed-rate and adjustable-rate terms available
You optimize your cash flow and return on investment with terms up to 40 years
No limit on the number of properties owned
You can access more capital and leverage your investment portfolio
You can diversify your portfolio and take advantage of more opportunities more easily and faster
You can qualify for financing based on the property’s rental income potential
Properties with negative cash flow are allowed
Your personal or business income documentation is not required
Your other debt obligations do not matter
Talk to an expert about your real estate financing needs today

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