DSCR Loans

Also known as rental property loans - are specially designed for real estate investors purchasing or refinancing income generating properties. Unlike traditional mortgages, they focus more on property cash flow than personal income.

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Qualification Based on Property Income

DSCR loans assess the property's ability to generate income, eliminating the need for personal income verification.

This approach simplifies the approval process for investors.

Flexible Property Ownership Structures

Investors can hold properties in LLCs or trusts, providing flexibility in portfolio management and potential tax advantage.

No Cap on Number of Properties Financed

Unlike traditional loans, DSCR loans do not limit the number of properties an investor can finance, facilitating portfolio growth.

Competitive Loan-to-Value (LTV) Ratios

DSCR loans with LTV ratios typically ranging from 75% to 80%, allowing investors to finance a significant portion of the property's value.

Loan Overview

Qualification Criteria

- Based on property's cash flow, not personal income

Ownership Structures

- Properties can be held in LLCs or trusts

Property Financing Limit

- No cap on the number of properties financed

Loan to Value (LTV)

- Typically 75% to 80%

Loan Term

- Flexible terms available

Interest Rates

- Competitive rates, varying based on property and borrower profile

Prepayment Penalties

- May apply; terms vary

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