American Heritage Lending

DSCR Loan in Maryland

Non-QM Mortgages

Debt Service Coverage Ratio Loan in Maryland

Whether you’re a seasoned investor or a first-time borrower, understanding the requirements and features of DSCR loans is crucial for making informed financial decisions. Debt Service Coverage Ratio (DSCR) is a financial metric that measures a borrower’s ability to cover their debt obligations with their operating income. DSCR loans are commonly used in real estate financing to assess the borrower’s capacity to service the debt.

$75,000 – $2,000,000

Loan Amount

Up to 70% of Value

Rental Properties

5, 7 & 10

ARM Rental Loans


Fixed-Rate Rental Loans

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DSCR Loan Benefits

Higher Loan Amounts

DSCR Loan amounts are determined by the property’s capacity to generate income rather than solely relying on the borrower’s personal income.


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Flexibility in Qualifications

Adaptable borrower eligibility criteria that consider lower credit scores or distinctive financial circumstances, taking into account the income potential of the property.

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Non-QM Mortgages​

Requirements for DSCR Loans in Maryland

1. Creditworthiness:

To qualify for a DSCR loan in Maryland, a satisfactory credit score is essential. Lenders typically look for a credit score of at least 640 to ensure the borrower’s financial stability.

2. Property Cash Flow:

The property’s cash flow is a critical factor in DSCR loan approval. Lenders assess the property’s ability to generate sufficient income to cover the debt payments.

3. Debt Service Coverage Ratio:

A minimum DSCR is required for loan approval. Lenders often look for a ratio of at least 1.25, indicating that the property’s operating income is 1.25 times the debt service.

4. Property Appraisal:

An appraisal of the property’s value is conducted to determine its market worth. The property value affects the loan amount and terms.

5. Documentation:

Borrowers must provide comprehensive financial documentation, including tax returns, income statements, and property documents, to support their loan application.



Best Mortgage Rates

Trustworthy DSCR Lending Services in Maryland

American Heritage Lending, a customer service-focused lender in the Non-QM mortgage market, was founded by mortgage professionals with a history of offering flexible solutions to borrowers who don’t qualify for Qualified Mortgages.

Our team, comprised of seasoned Account Executives, Loan Brokers, and Loan Officers, collaborates closely with clients to tailor loans and deliver effective solutions, especially for challenging cases rejected by conventional lenders or Government automated underwriting methods. As a direct lender with a successful track record of over $1 Billion in funded loans, we bring extensive expertise to manage all facets of real estate lending, adeptly navigating the complexities of this niche market. Explore competitive DSCR loan rates and discover our transparent DSCR loan requirements to secure the financing you need.

Expert Guidance

We are a team of mortgage professionals committed to assisting you in making informed financial decisions that suit your individual needs.

Competitive DSCR Interest Rates

Our statement loans offer competitive interest rates, which can help you save money over the life of the loan.

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