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DSCR Loan

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Buy and refinance your rental property

Flexible long-term financing for rental property acquisitions and refinancing—without the red tape.

DSCR Loan

What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is built specifically for real estate investors looking to scale their rental portfolio. Whether you’re buying a new investment property or refinancing an existing one, this loan uses the property’s income potential—not your personal income—to qualify. That means no tax returns, no W-2s, and no employment verification.

DSCR Loan Terms

Property Type

  • Single Family
  • 2-4 Units
  • 5-10 Units
  • Townhomes
  • Planned Unit Development (PUD)
  • Warrantable Condos

Loan Amount

  • US$ 125K to US$ 2.5M (Higher amount on individual basis)
  • Minimum DSCR: 0.8x
  • ARM options: 5/1 and 7/1
  • Short-term rental eligible

Type Of Loan

30-Year Fixed or Adjustable-rate mortgages (ARMs): 5/1, 10/1 (Partial IO or Amortizing)

Maximum Loan To Value

  • PURCHASE: 80%
  • REFINANCE: 75%
  • CASHOUT: 70%

Term Length

30 Year

Base Rate

6,875%

Minimum Fico Score

680

Prepayment Penalties

5 YEARS DECLINING (5% to 1%)

Foreign Nationals Accepted

+ 0.5 to base rate

Closing

30 TO 60 DAYS

Requirements

  • 3 months of bank statements
  • ID, passport, (US visa for F nationals)
  • Entity documents (LLC or Corp), EIN & OP agreement
  • 6 months liquidity/reserves
  • Non-owner occupancy certification
  • SSN for credit report and background check
  • Evidence of insurance (full replacement + 500K liability)+ 6 months rental loss
  • Minimum Fico score of 660
  • Signed loan application
  • Income based in rental cash flow subject to A DSCR ratio of 1:10
  • HOA documents (only condos)
  • Foreign nationals: asset sourced and seasoned for 60 days in US FDIC insured bank
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DSCR Loan

Fast & Flexible Funding for Property Flips

Real estate investors need quick access to capital to seize opportunities and maximize returns. Our Fix & Flip Financing Solutions provide the funding you need to purchase, renovate, and resell distressed properties for profit. With fast approvals, competitive rates, and flexible repayment options, we ensure that your project stays on track from acquisition to sale.
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DSCR Loan

Tailored Loan Programs for Investors

Every fix-and-flip project is unique, and our loan programs are designed to meet your specific needs. Whether you’re tackling a single property or multiple investments, we offer customized financing solutions to align with your goals. Our team of lending specialists is here to support you throughout the process, ensuring you have the resources to scale your real estate investments with confidence.
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DSCR Loan

Why Choose a DSCR Loan?

DSCR loans make it easier to access capital while keeping your investment strategy moving. Free up equity from current properties, unlock new cash flow opportunities, and build long-term wealth—all without the typical restrictions of traditional lenders. If the numbers make sense, you’re good to go.
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Loan Information Form

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DSCR Loan

F.A.Q.

Let Your Properties Qualify—Not You

Start growing your portfolio today with smarter, simpler financing made for investors.
Confidentiality Notice

Jonathan Espinosa is a Licensed REALTOR® with Island Living Realty, LLC. Jonathan Espinosa is a Licensed MORTGAGE LOAN ORIGINATOR with Superior Mortgage Experts, Inc. NLMS #2512453.

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Confidentiality Notice

Jonathan Espinosa is a Licensed REALTOR® with Island Living Realty, LLC. Jonathan Espinosa is a Licensed MORTGAGE LOAN ORIGINATOR with Superior Mortgage Experts, Inc. NLMS #2512453. The information contained in this message may be privileged, confidential, and protected from disclosure. If the reader of this message is neither the intended recipient, nor any employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution, or copying of this communication is strictly prohibited.