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A DSCR (Debt Service Coverage Ratio) loan qualifies investors using the property’s income—not your W-2s or tax returns. If the expected rent covers the mortgage payment, the deal can work. It’s ideal for 1–4 unit rentals, short-term rentals (case-by-case), and portfolios. You can close in an LLC, too.
Approve by cash flow, not personal income. We estimate DSCR from rent and the full payment (PITIA).
Address, price/loan amount, expected rent (lease or market-rent 1007; STR statements if short-term).
We figure NOI (rent minus vacancy/fees) and PITIA (principal, interest, taxes, insurance, HOA) → DSCR.
See LTV, rate, interest-only choices, reserves, and pricing based on your property’s DSCR.
Get an investor pre-qual and a short checklist. Close in your name or an LLC.
Program snapshot & a quick exampleProperty types: 1–4 unit rentals; some Airbnb/STR allowed.Down payment: often 30–50% (varies by DSCR/LTV).Credit: many programs around 660+.Reserves: typically 3–12 months PITIA.Title: Individual or LLC ownership allowed.Prepayment: common on investor loans; ask about buy-downs.Docs: Lease or market rent (1007/216), entity docs (if LLC), ID, assets for funds to close.Example:Market rent: $2,500/moVacancy/expense factor: 10% → $2,250 NOIProposed PITIA: $2,000DSCR = 2,250 ÷ 2,000 = 1.13 → Typically qualifies.
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