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The Lowdown on DSCR Loans...

Our DSCR Loan Rates Are Competitive & Our Process is Simple & Easy

The debt service coverage ratio (DSCR), known as “debt coverage ratio” (DCR), is the ratio of operating income available to debt servicing for interest, principal and lease payments. It is a popular benchmark used in the measurement of an entity’s (person or corporation) ability to produce enough cash to cover its debt (including lease) payments. The higher this ratio is, the easier it is to obtain a loan.

In commercial real estate finance, DSCR is the primary measure to determine if a property will be able to sustain its debt based on cash flow.

We’re here to make the DSCR loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE DSCR Loan Qualifier.

The Debt Service Ratio is also typically used to evaluate the quality of a portfolio of mortgages.

The DSCR Loan Process

Here’s how our home loan process works:

  • Complete our simple investment Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage rates and terms
  • Choose the offer that best fits your needs

Why A DSCR Loan?

The DSCR loan is designed for Real Estate Investors who want to quality a mortgage based on cash flow generated by their investment property instead of using income proof, tax returns, employment information, etc.

Because a DSCR may quickly identify a borrower’s ability to repay without requiring income verification, lenders use it to help real estate investors qualify for loans. These real estate investors can qualify for the debt service coverage ratio loan more efficiently since they are not required to provide proof of income in the form of tax returns or pay stubs, which investors either don’t have or don’t accurately reflect their real income due to write-offs and business deductions.

Your Home Loan Could Be Fully Funded 30 Days From Now

Fixed Rates

The rate and duration of your loan don’t change for the live of your loan.

Adjustable Rate Mortgages (ARM)

Your rate could change based on market conditions but your starting rate may be lower than a fixed option.

Conforming Loans

Loans up to $726,200 in the 48 continental states.


Jumbo & Super Jumbo Loans

Loan amounts depend on your state and county but these loans typically have slightly higher rates due to loan risk.

FHA, VA, & USDA Loans

Endorsed by the federal government, these loans typically have lower rates but require different criteria.

Terms from 5 to 30 Years

Select your loan term based on your financial goals.

See What You Can Do!

Mortgage rates change every day, and your rate will vary based on your location, finances and other factors. Get your FREE customized rate comparison below: