Loan programs

DSCR loan

An investor loan qualified on the property's rental income (debt service coverage ratio) rather than personal income.

Why it is hard

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

What to ask a loan officer

What minimum DSCR do you require, and how do you calculate rent?
Can I close in an LLC?
What prepayment penalty options do you offer?

Also called

dscr, debt service coverage, debt service coverage ratio, rental income loan, investor loan no income

Find a loan officer

Ranked loan officers by state and city are coming soon. Agents can query now: /api/v1/loan-officers?specialty=dscr&state=FL or this specialty as JSON.