DSCR-Rental Loans

Products: DSCR-Rental Loans
Optimized for property investors, our DSCR loans focus on leveraging rental income for funding, without the need for tax returns or financial statements. Elevate your portfolio and maintain consistent cash flow with our specialized DSCR loan solutions.

Optimize Your Commercial Property Financing with DSCR Loans

Our long-term loans are designed for those looking to invest in rental properties, whether it’s purchasing a new property, refinancing an existing one, or cashing out equity. 

Borrowers can secure up to 80% of the property’s value, with loan terms extending from 10 to 30 years, tailored to fit your investment strategy. Eligibility criteria include a minimum credit score of 660, and a debt service coverage ratio (DSCR) of at least .75. The DSCR is a simple measure to ensure your rental income sufficiently covers your loan payments. 

If you’re venturing into rental investments for the first time, we’re here to guide you towards the best opportunities and offer advice on property management to maximize your returns efficiently.


Key Benefits

  • Focused on Cash Flow: DSCR loans evaluate the property’s ability to generate income and cover debt payments, providing assurance to lenders and investors of the property’s financial viability.
  • No Financials Required: DSCR loans and can provide valuable insights to optimize your financing strategy. Additionally, no tax returns or personal financials are required for loan approval.
  • Competitive Terms: Benefit from competitive interest rates, loan-to-value ratios, and repayment terms tailored to your project’s financial profile and investment goals.
  • Flexible Financing Options: Choose from a variety of loan structures, including fixed-rate mortgages, adjustable-rate mortgages, and interest-only loans, to match your cash flow needs and risk tolerance.
  • Property Diversification: DSCR loans support a wide range of commercial property types, including office buildings, retail centers, multifamily complexes, and industrial properties, allowing you to diversify your investment portfolio.
  • Expert Guidance: Access guidance and support from our team of commercial real estate financing experts, who specialize in structuring DSCR loans and can provide valuable insights to optimize your financing strategy.

How It Works

  1. Financial Analysis: Conduct a comprehensive financial analysis to determine the property’s Debt Service Coverage Ratio (DSCR), evaluating its ability to generate sufficient cash flow to cover debt payments.
  2. Loan Consultation: Schedule a consultation with our commercial real estate financing specialists to discuss your project goals, financial objectives, and eligibility requirements for DSCR loans.
  3. Loan Application: Complete the loan application process, providing documentation and information required for underwriting, including property details, financial statements, and borrower qualifications.
  4. Underwriting and Approval: Your loan application is reviewed swiftly, with due diligence conducted to evaluate project feasibility and borrower qualifications. Upon approval, loan terms and conditions are communicated.
  5. Funding and Property Acquisition: Once approved, we coordinate loan funding, providing access to capital for property acquisition or refinancing. You complete the transaction and assume ownership of the property.
  6. Property Management and Cash Flow: Manage the property to ensure sufficient cash flow to cover loan payments and operating expenses. Regularly monitor financial performance and adjust operations as needed to maintain a healthy DSCR.

Unlock the Potential of Your Property Investments

Maximize the profitability of your property investments with our Debt Service Coverage Ratio (DSCR) Loans. Whether you’re acquiring, refinancing, or renovating commercial properties, we can help you secure the financing you need to achieve your investment goals.

Contact us today to learn more about how our DSCR Loans can support your real estate investment objectives and propel your business to new heights.

Loan amount: $75,000-$5,000,000
Minimum credit: 660
Rates: Starting at 6%
Loan term: 30yrs
Elegible loan types Single-Family Residences (SFR), 1-4 Unit Properties, Multi-Family Buildings, Commercial Real Estate, Condominiums, Townhomes.
Minimum DSCR Coverage: .75
Purchase Loan To Value (LTV): Up to 80%
Cash Out Refinance Loan To Value (LTV): Up to 75%
Elegible locations: All 50 States

Why choose us

We provide innovative lending solutions for commercial real estate and all size businesses.

We have the ability to understand our client’s needs and properly identify the right financing solution per capital need without the obstacles that banks present today. With our funding capacity from 5k to over well over 100MM our team is highly experienced in funding transactions nationally and internationally.

Expertise and Experience

Our team of financial experts, with a wealth of experience in real estate investment loans and business lending, provides tailored solutions designed to meet your unique business needs.

Dedicated Support

Experience personalized service and dedicated support from our relationship managers, who collaborate with you closely to enhance your financial strategy.

Robust Financial Partnership

Our dedication lies in forging lasting relationships with our clients, fostering their financial well-being and expansion with cutting-edge financing options.

Have any questions or need further information?

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