DSCR INVESTOR LOANS
Qualify on Cash Flow.
Built for rental investors—approval based on a property’s debt service coverage ratio.
Program Highlights
- Qualify using Debt Service Coverage Ratio
- No personal income documentation required in many cases
Who It’s For
- Rental investors purchasing or refinancing 1–4 unit properties
- BRRRR and long‑term hold strategies
DSCR Loan Guide: Scale Your Portfolio Using Cash‑Flow Financing
DSCR (Debt Service Coverage Ratio) loans qualify primarily on the property’s rental income vs. payment—not your personal tax returns. This is ideal for investors building or refinancing 1–4 unit rentals across Central Florida.
We help you structure leases, rent comps, and reserves to meet program targets and close quickly so you can compete with cash buyers.
Key Considerations
- Target DSCR commonly ≥ 1.0–1.25 depending on lender
- Appraisal with market rent schedule (1007/216)
- Short‑term and long‑term rental options available