Loan Options

Why a DSCR Loan?

Debt Service Coverage Ratio loans are loans designed for real estate investors. Because the DSCR program uses a coverage ratio to determine if you qualify, your personal debt-to-income ratio is not factored into your application. This also means that we do not verify your income or employment when you apply for the loan, which reduces the documentation requirements.

DSCR loans in Monrovia, CA

Our DSCR Loan Rates Are Low & Our Process is Quick & Painless

A DSCR loan is a type of non-QM loan for real estate investors. It allows the borrower to qualify for a loan based solely on the cash flow generated from the investment property, not on their personal income.

Real estate investors often write off expenses on their properties therefore, some may not qualify for a conventional loan. The debt service coverage ratio loan allows borrowers to qualify more easily because they don’t require proof of income via tax returns or pay stubs that investors either don’t have or that don’t represent their true income due to write-offs and business deductions.

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.

We’ll help you clearly see the differences between DSCR loan options, allowing you to choose the right one for you.

The DSCR Loan Process

Here’s how our DSCR loan process works:

  • Complete our DSCR Loan Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs
  • No income or job history verification
  • Unlimited cash-out
  • Suited for new and seasoned real estate investors
  • Credit scores as low as 600
  • As little as 20% down payment required
  • Both long-term and short-term rentals or eligible (Airbnb, VRBO, etc.)

Why a DSCR Loan?

Debt Service Coverage Ratio loans are loans designed for real estate investors. Because the DSCR program uses a coverage ratio to determine if you qualify, your personal debt-to-income ratio is not factored into your application. This also means that we do not verify your income or employment when you apply for the loan, which reduces the documentation requirements.