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Loan Program

Debt Service Coverage Ratio (DSCR) Program

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Is the DSCR program right for you?

Easiest way to purchase an Airbnb weekly rental property or long-term rental property. Add real estate to your portfolio. Simply use the rental income from the subject property to qualify, no other income documentation needed. Doesn’t get any easier than this!

Mortgage Loan
Mortgage Home Loan

Benefits of a DSCR loan

  • No income documents needed. Loan is purely based on the rental income from the subject property.
  • First time investors OK.
  • Gift funds are permitted.
  • Can be used for Single Family, Condo, Townhome, Multifamily up to 8-units, and mixed use commercial.
  • 30-year fixed rate terms available, with flexibility of an interest only payment or fully amortized (P&I) payment. You pick!

DSCR loan eligibility requirements

  • 620 min FICO score.
  • 20% down payment
  • Business purpose investment property only.
  • Cash reserves needed after closing (***gifts are allowed***)
  • 1 to 1 rent vs. pmt ratio (or .75 with 25% down payment)
  • Loan amounts up to $3.5 million (with 700 FICO & 30% down payment)
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Get started by using one of our FREE tools!

Want to see our actual live rates right now?

We don’t hide our rates because it’s so rare we ever get beat! Once you’re ready to get started, go ahead and apply now or get a pre-qualification letter.

Free PreQualification Letter

(You’ll need this to make offers on homes!)

  1. Makes your offer to buy a home stronger
  2. Let home sellers know you’re serious
  3. Helps you know your affordable price range
Get PreQualification Letter

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!


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