Qualify for investment properties based on the rental income of the property, not your personal tax returns.
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"I specialize in custom-tailoring this loan program to fit your long-term wealth goals."
A Debt Service Coverage Ratio (DSCR) loan is a specialized mortgage program designed for real estate investors. Instead of evaluating your personal income, tax returns, or employment history, lenders qualify the loan based on whether the property's rental income covers its monthly mortgage payments.
This is the ultimate tool for scaling your rental portfolio in Houston, Katy, Sugar Land, or Pearland without the restriction of traditional personal income guidelines.
Key Benefits of this ProgramQualify without submitting tax returns, W-2s, paystubs, or personal employment verification.
If the property's gross rental income exceeds the monthly mortgage payment, the file qualifies.
Since personal debt-to-income (DTI) is not calculated, you can secure multiple DSCR loans simultaneously.
Close the loan directly under your LLC or corporate entity to protect your personal assets.
Every file is unique, but here are the typical benchmarks used across our 160+ Lender Network:
DSCR is calculated by dividing the gross monthly rental income of the property by the monthly PITIA (Principal, Interest, Taxes, Insurance, and Association dues). For example, if a property rents for $2,500 and the PITIA is $2,000, the DSCR is 1.25.
Yes! Some specialty lenders in our 160+ network offer 'no-ratio' DSCR programs, which allow qualification even if the rental income is slightly lower than the mortgage payment, though it may require a higher down payment or credit score.
No, DSCR loans can be used for single-family homes, condos, townhomes, and multi-family properties (2-4 units, and even 5+ unit commercial properties in some cases).