Key Program Features
- Purchase: 80 percent
- Cash-out Refinance: 75 percent
- No reserves needed at ≤ 75 percent LTV
- Otherwise 6 months PITI
- Single Family
- PUD
- Townhome
- 2–4 Units
- Warrantable and Non-Warrantable Condo
- Rural Properties
- Manufactured Homes
DSCR Investment Property Loans — Qualify Using Rental Income
If you invest in real estate, you want a loan that recognizes the strength of the property. Our DSCR program qualifies you using rental income instead of personal income docs. The process stays simple and focused on cash flow — the metric that matters most to investors.
Whether you’re adding a new single family rental, buying a 2–4 unit, or refinancing to tap equity, we help you structure financing that supports long term growth.
Top Features of Our DSCR Program
Qualify With Property Income
Underwriting uses the property’s Debt Service Coverage Ratio. Fewer personal documents. Faster approvals.
Loan Amounts Up to $3,000,000
Finance large or small investment purchases with flexible options.
Investor-Friendly LTVs
Up to 80 percent for purchases and 75 percent for cash-out refinances.
Clear Reserve Requirements
No reserves at 75 percent LTV or lower. Above that, plan for 6 months PITI.
Who This Loan Is For
- ✔️ Investors purchasing or refinancing rental properties
- ✔️ Buyers of single family, townhomes, condos, and 2–4 units
- ✔️ Investors who prefer qualifying using property cash flow
- ✔️ Portfolio builders who want fast, transparent answers
Why Investors Work With Us
We model DSCR upfront, align terms with your strategy, and help you close with clarity. You stay in control with clean numbers and a simple plan.
See Your DSCR Options
Get prequalified in minutes with our DSCR quick start.
Frequently Asked Questions