Our DSCR (Debt Service Coverage Ratio) loan program is designed to help real estate investors qualify for financing based on the cash flow of the property, not their personal income. This is especially beneficial for investors with complex tax returns, self-employment income, or those who own multiple properties. By focusing on the income the property generates, our program simplifies the approval process and makes it more accessible. Our program is ideal for both new and experienced investors looking to grow their rental portfolios.
| INVESTOR FLEX: YELLOW |
| Minimum FICO: 620 |
| Max LTV: 80% |
| Loan amounts up to $2M |
| 6 months’ reserves required |
| Gift funds allowed (5-10% depending on LTV) |
| INVESTOR FLEX: ORANGE |
| Minimum FICO: 660 |
| Max LTV: 80% |
| Loan amounts up to $2M |
| 3 months’ reserves required |
| 5% borrower contribution for LTV over 75% |
| INVESTOR FLEX: PINK |
| Minimum FICO: 660 |
| Max LTV: 80% |
| Loan amounts up to $3M |
| 3 months’ reserves required |
| No limit on financed properties |
| INVESTOR FLEX: BLUE |
| Minimum FICO: 660 |
| Max LTV: 80% |
| Loan amounts up to $3M |
| 3 months’ reserves required |
| No gift funds allowed |
What is the appeal of DSCR loans?
The true appeal of a DSCR loan lies in its flexibility and practicality. Since approval is based on rental income rather than personal earnings, investors gain a powerful tool to accelerate their real estate journey. If your property generates enough rent to cover its mortgage and expenses, you’re already in a strong position to qualify.
For new investors, DSCR loans provide a faster path to ownership, without requiring years of tax returns, high W-2 income, or complicated financial disclosures. This means you can start building your rental portfolio earlier and begin generating passive income sooner.
For experienced investors, DSCR financing offers the freedom to keep expanding without being limited by traditional underwriting constraints. Owning multiple properties, navigating complex financials, or running a business no longer prevents you from securing financing. Instead, your investment properties speak for themselves.
Commercial Loans - DSCR JUMBO 