DSCR Loan Features
Based on Property Cash Flow
Minimal Personal Financial Documentation
Since approval is based on the property’s income, lenders may require less personal financial paperwork, streamlining the application process.
Greater Flexibility for Investors
These loans provide more freedom for investors to buy or refinance rental properties without being restricted by traditional lending requirements.
Faster Approval Process
Because the focus is on property revenue rather than the borrower’s personal finances, DSCR loans can often be approved more quickly than conventional mortgages.
Easier Accessibility
Since personal income is not a deciding factor, DSCR loans are accessible to both new and experienced investors.
Cash-Out Refinance Options
Refinance existing rental properties to cover expenses like renovations, maintenance, future investments, or to recoup initial investment.
No Cap on Property Ownership
Borrowers can finance multiple properties at once, allowing them to scale their real estate portfolios without traditional lending restrictions.
Applicable to All Rental Types
DSCR loans can be used for short-term, long-term, single-family, multi-family, and even rural rental properties.
LLC Borrowing Options
Investors can structure DSCR loans under an LLC to protect personal assets and avoid personal credit reporting.
Pre-Qualify for a DSCR Loan
Eligible to Lend in 35 States
