Debt Service Coverage (1-4 Units)

With our DSCR Loan for 1-4 Unit Properties, you can secure financing based on the income your property generates rather than your personal income. This is the ideal option for real estate investors looking to grow their portfolio without the need for traditional documentation.

• Examples:
• DSCR 1 || LTV 80% || Minimum FICO 680 || Maximum Cash-Out 75% || Maximum Loan Amount $2 million
• DSCR 0.8 - 0.99 || LTV 70% || Vacant Properties Allowed || 115% for short-term rentals
• DSCR 1 to 1.2 || LTV 80% || Vacant Properties Allowed || 115% for short-term rentals
• First-Time Homebuyers: Allowed
• Gift Funds: 100% gifts allowed for down payment and closing costs
• No Ratio DSCR: No debt-to-income ratio required for qualification
• Business Purpose: No need to be licensed in the state of origination

Our DSCR Loan gives you the freedom to qualify for financing without the complexities of traditional income verification. By focusing on the income your property generates, we open up opportunities for you to expand your investment portfolio. Whether it’s purchasing your first rental property or scaling up your holdings, we’re here to help you succeed with ease.