Our Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to qualify based on rental income rather than personal income documentation. Whether you’re a first-time investor or looking to expand your portfolio, this program provides a flexible path to financing.
Key Benefits of a DSCR Loan
- First-time homebuyers and first-time investors welcome
- 85% LTV for amounts up to $1,250,000
- First-time investors welcome
- FICO scores as low as 620
- Loan-to-Value (LTV) ratios up to 85%
- Cash-out proceeds may be used as reserves
- Loan amounts up to $3,000,000
- No personal income documentation required
- DSCR No Ratio option available
- Eligible for foreign nationals
- Not available to citizens or individuals from countries subject to U.S. economic sanctions
Borrowers can secure loans with FICO scores as low as 680 and enjoy loan-to-value (LTV) ratios of up to 85% for amounts up to $2,000,000. This flexibility makes rental properties more accessible for individuals with ITINs who meet the credit requirements.
Available in the Following States:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Minnesota, Mississippi, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, and Wisconsin.