DSCR

Purchase or Refinance
‍
Let your rental income work for you.
Debt service coverage ratio (DSCR) loans are evaluated using your property’s rental income,
not your personal income. We offer funding to first-time investors and love to help people grow their portfolio with ease.


DSCR is calculated by taking monthly projected income (rent) divided by your monthly payment – PITIA (principal, interest, tax escrow, insurance escrow and any HOA dues).

Non owner occupied residence, single family, duplex, triplex and quadplex, condos
We work with both long term and short term rentals.

Up to 80% of purchase price
75% Max on Refinance
(LTV's are subjected to change based on credit experience and other varying factors.)

$100,000-$5,000,000

30 years
Interest Only Available

There is no minimum FICO requirement

There is a minimum DSCR requirement of 0.75x. A minimum DSCR of 1.0x is required for short term rentals.