An investor-focused mortgage that qualifies based on a property’s rental income, enabling faster approvals without personal income documentation.
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DSCR loans are designed specifically for real estate investors, qualifying the borrower based on the property’s income potential rather than personal income or tax returns. This means the loan approval focuses on the Debt Service Coverage Ratio—the relationship between the rental income and the monthly housing expenses—allowing investors to secure financing without the traditional documentation hurdles.
With DSCR ratios as low as 0.75+, these loans are available in both 30-year fixed and interest-only structures, making them ideal for long-term holds, short-term rentals, or portfolio expansion.
By removing the need for personal income verification, DSCR loans make it possible to close faster and target more opportunities. Investors gain the freedom to qualify based on the strength of the deal itself, enabling them to move quickly in competitive markets and diversify their holdings without tax return delays.
This approach is especially valuable for those managing multiple properties, short-term rentals, or non-traditional income streams, where conventional underwriting often falls short.
Elliman Capital’s investor-focused lending team understands the pace and priorities of real estate investment. Start with our quick online application, and we’ll calculate the property’s DSCR, explore the best terms for your strategy, and move swiftly toward closing.
