DSCR
Non-QM Mortgages
Debt Service Coverage Ratio
Real estate investors looking to purchase rental properties can benefit from a rental property loan that utilizes debt service coverage ratio (DSCR) as the basis for financing. The goal of buying a rental property is to generate positive cash flow by renting out the property for more than the monthly liabilities (principal, interest, taxes, insurance).
$75,000 – $2,000,000
Loan Amount
Up to 70% of Value
Rental Properties
5, 7 & 10
Year
ARM Rental Loans
30-Year
Term
Fixed-Rate Rental Loans
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Benefits
Higher Loan Amounts
Loan amounts based on the property’s income-generating potential, not just the borrower’s personal income.
Diversification
Diversify investment portfolios with income-generating real estate assets, hedging against inflation and diversifying from other investments.
Flexibility in Qualifications
Flexible borrower qualifications, accommodating lower credit scores or unique financial situations based on the property’s income potential.
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Non-QM Mortgages
DSCR Loans: The Flexible Solution for Real Estate Financing
- Flexibility in terms of credit scores and items on a borrower's record
- Options for exit strategies to repay the rental property loan
- Availability to individuals, trusts, corporations, and limited partnerships
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