DSCR Loans
Financing based on investment property cash flow
DSCR programs evaluate the relationship between eligible rental income and the property debt service under the lender’s calculation. They are intended for qualifying investment and business-purpose transactions.
A program may use leases, market rent or other approved income documentation. Taxes, insurance, association dues and other costs may affect the calculation. A particular ratio does not guarantee approval.
Credit, down payment, reserves, property eligibility and any prepayment terms still matter. Confirm permitted use and applicable requirements for the property location.
Explore your options
Start a mortgage inquiry or contact a mortgage professional. All loans are subject to credit, property and program approval. Terms and availability may change. This is not a commitment to lend.
Ready for the next step?
Start an inquiry and we’ll route it to a licensed loan officer, find an officer yourself, or open the separate secure application when you’re ready.