Investor/DSCR Loans

Investor DSCR Loans - Your Ticket to Real Estate Success

Are you an aspiring property mogul or just looking to grow your rental portfolio? Our Investor Flex Debt Service Coverage Ratio (DSCR) loan program could be the perfect solution. It's all about using rental income to qualify for investment properties. Cool, right?

What’s a DSCR Loan, Anyway?

DSCR stands for Debt Service Coverage Ratio. In simple terms, this loan looks at how much money a property is likely to make in rent each month. That's what we use to see if you can get the loan, instead of checking your personal income.

Why Choose Our Investor DSCR Loans? Here's the Big Deal:

Finance Up to 20 Properties: Got big dreams? You can finance up to 20 properties with this loan.
Loans Up to $2 Million: Whether you're buying or refinancing, we've got options up to $2 million.
Short-Term & Long-Term Rentals: You can use this loan for both short-term and long-term rentals.
Low Reserves Required: In some cases, just 2 months of reserves are needed. That's less cash you have to keep in the bank.
Save with Pre-Payment Penalties: Choose a 1-, 2-, or 3-year penalty for better pricing, and save money if you don't sell or pay off early.
As Little as 20% Down: You can borrow up to 80% of the property's value.
Friendly Credit Guidelines: Minimum FICO© score of 620, and we don't worry about your Debt-to-Income ratio (DTI).

Are You Ready to Grow Your Rental Empire?

Whether you're just starting with rental properties or looking to expand, our Investor Flex DSCR loans offer flexibility and opportunity. Loan amounts go all the way up to $3.5 million, so the sky's the limit!

Investor DSCR Loans Make Property Investments Easy

Take advantage of this great opportunity and start building or growing your rental income portfolio today. It's easier than ever with our DSCR loans.

Get Started with Your Investor DSCR Home Loan Today!

Who May Be a Good Fit?

A DSCR loan is built for investors, so the focus is on the property and the rent it may bring in. It may be worth a look if you are:

Buying your first rental property
Growing a rental portfolio
Self-employed and want to qualify based on the property instead of your personal income
Looking to refinance a rental you already own

What to Have Ready

It helps to know the expected rent for the property, along with info on taxes, insurance and any HOA dues. If you already own rentals, current leases are helpful too. We will walk you through what may be needed for your situation.

Wondering where the market is headed before you buy? Read our take on whether the housing market is going to crash. If you earn self-employed income and are buying a home to live in, our bank statement loans may be a better fit.

Other Loan Options to Explore

Not sure this is the one? That is totally normal. Here are a few other programs that may be a better match, or you can see them all on our Loan Options page.

Let's Talk It Through

Every situation is a little different, and the details really do matter. Reach out to our team on the Contact page and we will walk you through your options, answer your questions, and help you figure out what may work best for you. No pressure, just straight answers.

Back to Loan Options