DSCR Loan
What is a DSCR Loan?
A DSCR Mortgage Loan, in contrast to conventional loans, does not require the borrowers to provide proof of their income; instead, these mortgage programs are based on the borrowers' credit histories, real estate investment expertise, and liquid assets, which are then processed through underwriting. For a DSCR Mortgage Loan, only real estate investors and self-employed borrowers with credit scores above 620 are qualified. Due to their proven income, closing deadline, employment history, or other factors, borrowers who are unable to use a bank benefit from DSCR mortgage loans for commercial real estate or DSCR NO-DOC rental loan programs. Like most term loans, a DSCR mortgage program features less regulation and higher rates than traditional loans, similar to no-income verification mortgage loans. Although dangerous, many real estate investors find it easier to decide because of the flexibility and speedy approval process for the borrower. In contrast to conventional investment property loans, which have a maximum LTV of 70%, a DSCR Mortgage Loan has a maximum LTV of 80% while requiring no PMI. As a result, the borrower can make their purchase with a smaller down payment.
DSCR Loan Summary
Investment Properties Only: Single-Family, Condos, Townhomes, Multi-Family, Commercial, Mixed Use, Office, Retail, Industrial, Warehouse
Rates Starting at 6.99%
$100K – $5M
Up to 80% LTV
Blanket Loan Options Available
Fixed rates/Adjustable 5/1 ARM,
30-Year Fixed Interest Only Option Available
Foreign Nationals Eligible
No Prepayment Penalty Option Available
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