Products
DSCR Loans
Qualify on your property's rental income — not tax returns. The smart way to scale.
How DSCR Loans Work
DSCR stands for Debt Service Coverage Ratio. It compares rental income to the total mortgage payment. Above 1.0 means the property cash flows — and qualifies.
The Formula
DSCR = Rental Income ÷ Mortgage Payment
Benefits
No personal income verification required
30-year fixed-rate terms available
Close in as fast as 21 days
Up to 80% LTV on purchase and rate-term refinance
Cash-out refinance up to 75% LTV
No limit on financed properties
1-4 unit residential, condos, and townhomes
Loan amounts from $100K to $5M+
Requirements
Minimum DSCR
1.0
Credit Score
660+
Down Payment
20-25%
Property Types
1-4 Unit, Condos, Townhomes
Loan Amounts
$100K - $5M+
Term Options
30yr Fixed, 5/6 ARM, Interest-Only