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954-600-2800
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Empowered by NEXA Lending.

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Empowered by NEXA Lending.

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Pull your Credit.

DSCR

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DSCR Loan Program: A Simple Way to Finance Your Investment Property

No Tax Returns, No W-2s, Qualify Using the Property’s Rental Income

DSCR loans are one of today’s most effective investment property financing solutions for real estate investors looking to grow their portfolios.

Thinking about refinancing an investment property?
My DSCR (Debt Service Coverage Ratio) loan program gives you a straightforward path, whether you’re a seasoned investor or just getting started.”

Who Can Apply?

I work with all kinds of investors, so here’s what that looks like:

  • Individuals and LLCs. Whether you own the property personally or through an LLC, you’re covered.
  • New or experienced investors. It doesn’t matter if you’ve been doing this for years or you’re just getting into it. If you’ve owned an investment property for at least 365 days before your application date, you’re considered an experienced investor.
  • LLC details. If you’re applying through an LLC, it needs to be a U.S. based company in good standing, owned by individuals rather than trusts or other businesses, and applicants or guarantors need to own at least 25% of the LLC with clear signing authority.

What Are the Financial Requirements?

Here’s what I look at to help set you up for success:

Valuation and Inspection Requirements

Valuation and inspection. For loans under $400,000, I'll use an Automated Valuation Model along with a Property Condition Inspection before funds are disbursed. For loans over $400,000, a property appraisal will be required, either hybrid or full depending on the property type.

Reserves:

You’ll need enough in liquid reserves to meet minimum requirements.

DSCR (Debt Service Coverage Ratio):

This is how we determine whether the property pays for itself. I compare the gross rental income against your monthly expenses, including the loan payment, taxes, insurance, and HOA if applicable.

Flexible Credit Requirements:

DSCR loan credit requirements can be more flexible than traditional financing, with eligibility varying by lender and loan program. Depending on the program, borrowers with previous mortgage delinquencies, collections, bankruptcies, foreclosures, or other credit events may still have financing options available. Each borrower’s credit history is evaluated based on the specific program guidelines, allowing for more flexibility when traditional lending requirements may not be a fit.

Loan-to-Value (LTV):

This depends on your credit and experience. Experienced investors with excellent credit can go up to 80% LTV, and new investors with excellent credit can go up to 75% LTV.

Call me now at 954-600-2800

What Properties Qualify?

  • 30-year fixed rate for consistent, predictable payments
  • Loan amounts: $75,000 minimum, up to $1,000,000 for experienced investors or $500,000 for new investors
  • Cash-out available: up to $500,000 for experienced investors, up to $250,000 for new investors
  • Business use only, confirmed with a simple affidavit stating the loan is for investment purposes
  • Valuation determined through a blend of appraisals and Automated Valuation Models for accuracy

Loan Features & Property Valuation

• 30-Year Fixed Rate — Peace of mind with consistent payments.
• Loan Amounts:
o Minimum: $75,000
o Maximums: $1,000,000 for experienced / $500,000 for new investors
• Cash-Out Available:
o Experienced investors: up to $500,000
o New investors: up to $250,000
• Business Use Only — You’ll sign a simple affidavit confirming the loan is for investment purposes only.
• Valuation — We use a blend of appraisals + AVMs (Automated Valuation Models) to determine value accurately.

Easy Application Process

  • Apply online in just a few minutes
  • Soft credit pull to get you prequalified with no impact on your score; we'll only do a hard pull later if you decide to move forward
  • Easy verification of your rental income (through leases or market rent estimates) along with property taxes and insurance
  • Set up AutoPay for a better rate and one less thing to think about each month

Call Me Now to Get Started — No Obligations, No Credit Impact

Let’s run your application and explore your options with zero pressure and no hit to your credit score.
It’s quick, easy, and completely free to see what you qualify for.

Call me now at 954-600-2800
Get Pre-Approved

I’m happy to help!

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