DSCR Loans for Real Estate Investors
Fast, Flexible Financing for Investment Properties
Secure a DSCR Loan (Debt Service Coverage Ratio Loan) to finance multifamily or rental properties without relying on personal income. Designed for investors, these loans focus on property cash flow to qualify, helping you move quickly on high-return opportunities.
Loans up to $3M
Qualify based on property cashflow, not personal W-2s
Fast approval and funding to secure your next investment
Call (804) 362-7600 to speak with an investor loan specialist
Get a Quote
How DSCR Loans Work
DSCR Loans allow investors to qualify based on the income the property generates, making it easier to purchase or refinance rental properties. This type of financing is ideal for:
- Multifamily properties (5+ units)
- Short-term rental investments
- Long-term buy-and-hold rentals
- Pad Split Properties
By using the property’s cash flow to qualify, DSCR loans let you:
- Acquire properties without relying on personal income
- Preserve your liquidity for additional investments
- Scale your portfolio efficiently with repeatable financing
- Close in your LLC or S-Corp
DSCR Loan Program Highlights
Loan Amounts:
• $100,000 – $3,000,000 for multifamily, mixed-use, or rental properties
Loan-to-Value (LTV):
• Up to 85% for Experienced Investors
• Up to 80% for First-Time Investors
• Up to 80% for Cash Out Refinances
Debt Service Coverage Ratio (DSCR):
• Minimum DSCR typically .75–1.25, depending on lender
Terms:
• Fixed-rate and adjustable-rate programs
• Interest Only options available
Fast Closing:
• Average closing time of 15 days
Why Investors Choose Our
DSCR Loans
Call (804) 362-7600 to speak with an expert.
Fast, simple prequalification to move quickly on deals
Clear, open communication throughout the loan process
Financing based on property cash flow, not personal income
Access to hundreds of lenders to find the best rate and terms
Experienced mortgage specialists who understand real estate investor strategies
Get Started Today
Ready to fund your next investment property with a DSCR Loan? Our specialists are standing by to provide fast, personalized guidance and help you structure the financing to meet your investment goals.