DSCR Loans

DSCR Loans allow the borrower to qualify for a loan based solely on the cash flow generated from the investment property, not on their personal income.

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Who Are DSCR Loans Best For?

These are great loans for investors or anyone looking to buy an investment property.

Debt Service Coverage Ratio (DSCR) loans allow the borrower to qualify for a loan based solely on the cash flow generated from the investment property, not on their personal income. DSCR loans can be used to finance either residential or commercial properties.

How Do DSCR Loans Work?

DSCR Loans (debt service coverage ratio) qualify the income based on the projected rental income of the property. Generally speaking, underwriting is looking for the rent to cover at least the mortgage payment. No personal income docs are required. 

How Do I Qualify For A DSCR Loan?

  • These loans typically require large down payments of 20-25%,
  • Minimum 680 FICO® Score
  • Projected positive cash flow on the property

Take the first step toward the right mortgage.

Apply online or over the phone. Our team at F5 Mortgage would love to help!

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DSCR Loan Benefits

There are many benefits that company benefits come with a DSCR loan. Some of the benefits are as listed below!

  • Personal income is not taken into account by lenders: Because DSCR loans do not take into account for your personal financial information, they are significantly more accessible to borrowers who may not have a considerable quantity of liquid resources.
  • They have quicker application and closure times: Because you won’t need to submit any personal financial information or explain gaps in your job history, DSCR loans often have a streamlined, quick application procedure.
  • You can commit to many properties at the same time: Some mortgages require you to commit to only one home at a time. As a result, you can’t get a loan for a second property unless you’ve paid off your previous one. That is not how DSCR loans work. Instead, they allow you to obtain many loans for different properties at the same time simultaneously.
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