DSCR (Debt Service Coverage Ratio) Loans for Investment Properties: Compare & Save

Looking to buy or refinance an investment property? Our DSCR Mortgage Loans are designed to help investors like you leverage property cash flow, offering a flexible path to financing with less documentation than traditional loans.

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a type of mortgage specifically designed for investment properties. Instead of focusing heavily on your personal income, these loans primarily evaluate the property's ability to generate enough income to cover its own mortgage payments.

How Does DSCR Work?

The DSCR is a financial metric that measures a property's net operating income against its total debt service (principal and interest payments).

Calculation: Net Operating Income ÷ Total Debt Service Payments
Interpretation:
DSCR ≥ 1.0: The property generates enough income to cover its debt obligations.
DSCR < 1.0: The property's income is insufficient to cover its debt obligations.
Lender Perspective: A higher DSCR indicates lower risk for lenders, as it suggests the property can comfortably meet its financial commitments.

Benefits of DSCR Mortgage Loans for Your Investment Portfolio:

Our DSCR Mortgage Loans offer distinct advantages for real estate investors:

Focus on Property Income: Qualify based on the investment property's potential income, not your personal income.

Reduced Documentation: Often requires less paperwork compared to traditional full-documentation loans, simplifying the application process.

Flexible Qualification:

No tax returns required.
No personal income verification needed.
Acceptable DSCRs can be as low as 0.75 (meaning property income covers 75% of debt, with the remainder assumed from other investor resources).

Investor-Friendly Terms:

Mortgages for rental, investment, and secondary properties.
Low down payment options, with up to 90% Loan-to-Value (LTV).
Interest-Only options to improve initial cash flow.
Acceptable low FICO scores.

Ready to explore if a DSCR loan is right for your investment strategy? Contact us today to learn more and get a personalized quote!

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Mortgage Preferred Partners

700 Nexton Square Suite 234

Summerville, SC 29486

866-484-8656 Ext 2

Branch Offices in Greensboro, NC and Murrells Inlet, SC

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