If you are looking to purchase or refinance an investment property, talk to us today about our DSCR Mortgage Loans for Investment Properties!

Our DSCR Mortgage Loans for Investment Properties are specifically designed to help investors leverage their property cash flow. With our DSCR (debt-service coverage ratio) financing option, you can benefit from greater flexibility in qualifying, since it requires less documentation than a traditional full-documentation loan.

The Debt Service Coverage Ratio (DSCR) is a key financial metric used to measure a borrower’s ability to repay loans. It is calculated by dividing a borrower’s net operating income by the total amount of their debt service payments. A DSCR of 1.0 or higher indicates that a borrower has sufficient income to repay their loan obligations. A DSCR that is below 1.0 means that a borrower does not have sufficient income to cover their debt obligations. A high DSCR is desirable for lenders as it indicates that a borrower is likely to have the ability to cover their loan payments while a low DSCR suggest that a borrower may not have the resources to meet their financial obligations.

Consequently, lenders analyze the DSCR when evaluating a loan application in order to assess a borrower’s creditworthiness and determine their capacity to repay the loan. In the end, the DSCR is an invaluable tool for lenders to gauge their risk when granting a loan, as well as a significant indication of a borrower’s potential to fulfill their debt obligations.

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Take a look at how the DSCR Mortgage Loans for Investment Properties could improve your cash flow and rental portfolio:

Mortgage for Rental / Investment / Secondary properties

• Easy Qualifications
• No Tax returns / No Income Verification
• Low DSCR under .75 acceptable
• Low Down Payments
• Up to 90% LTV
• Interest Only Options
• Low FICO Scores Acceptable