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Debt Service Coverage Ratio (DSCR) Loans

DSCR Loans
  • Designed for 1-4 unit real estate investors
  • Simplified alternative to conventional loans
  • No individual income or monthly liabilities considered
  • Subject property is evaluated based on its cash flow

Debt Service Coverage Ratio (DSCR) programs offer significant documentation relief compared to traditional underwriting standards by focusing solely on the subject property. Evaluated are potential rental income and total property expenses. Employment income is not documented or evaluated. Primary residence expense and income/loss from other properties owned are not considered. Borrower’s credit history and subject property investment performance are the only major factors.

Certain restrictions apply. The borrower must have good credit history and certain credit depth. The program is not offered to first time homebuyers, and first time investors need to meet more stringent credit standards. Some other limitations apply. Please contact us for additional details.

 
 

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