Investment Property DSCR Mortgage Loans

What is a DSCR Mortgage Loan?

A DSCR loan allows borrowers to qualify based on the rental income of the property. It removes the need for tax returns, W-2s, or pay stubs. Instead, the property’s income is evaluated to determine if it covers the mortgage payment — commonly using a DSCR of .75 to 1.75 or higher.

Who is this DSCR Program For?

* Residential Real estate investor

* LLC or corporate title holders

* Borrowers with limited documentable income

* Individuals recently declined for a conventional loan

Key Features

* Loan amounts up to $5,000,000

* Up to 80% LTV on purchases

* Cash-out refinance available to 75% LTV

* No income, no employment stated on application

* FICO scores starting at 600 (some lenders allow lower)

* Qualify with a DSCR as low as 0.75 on select programs

Eligible Property Types

* 2–4 unit properties

* Condos and townhomes

* Single-family rentals

* Short-term rentals (Airbnb/VRBO)

* Mixed-use (case-by-case)

Program Highlights

* Interest-only options available

* LLC and corporate vesting allowed

* No DSCR minimum with some lenders

* Fast close times (8–17 days)Available in 35+ investor-friendly states

* Available in 35+ investor-friendly states

Available in the Following States

Alabama, Arkansas, California, Colorado, Connecticut, DC, Delaware, Florida, Georgia, Hawaii, Iowa, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

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Last Updated on 1 month ago by Broker Mortgages