What is a DSCR Investor Loan?
A DSCR Investor Loan is a mortgage solution designed for a specific financial situation. It is based on rental income potential, not personal income, making it ideal for real estate investors building rental property portfolios. With flexible underwriting, competitive terms, and clear qualification guidelines, DSCR loans provide a reliable way for investors to scale their real estate holdings.
What is DSCR? DSCR stands for Debt Service Coverage Ratio. It's a financial metric that measures the property's ability to cover its debt payments through rental income. The ratio is calculated by dividing the property's net operating income by its total debt service (mortgage payments).
Key features of a DSCR loan:
- Qualification based on property cash flow, not personal income
- No employment verification or tax return requirements
- Faster approval process for experienced investors
- Available for single-family homes, condos, and small multi-family properties
- Competitive interest rates for investment properties
Benefits for real estate investors:
- Build your portfolio without personal income limitations
- Streamlined documentation process
- Focus on property performance rather than personal finances
- Scale your investments more efficiently
- Preserve personal borrowing capacity for other investments
- Billy Watkins - Sr Mortgage Broker - NMLS 384700
How to Apply for a DSCR Investor Loans
Initial Consultation
We start with a conversation to understand your goals and financial picture.
Application & Documentation
Complete the online application and provide necessary financial documents.
Underwriting & Approval
Our team reviews your file to issue a final loan approval.
Closing
Sign the final documents and get instant access to your funds.
Success Stories with Billy Watkins
"Billy made the process of getting our DSCR Investor Loans incredibly simple. His communication was top-notch, and we closed faster than we ever thought possible. Highly recommend!"
Alex & Jamie R.DSCR Investor Loans Client with Billy Watkins
"As a self-employed individual, I thought getting a mortgage would be a nightmare. Billy guided me through the DSCR Investor Loans options and found the perfect fit. I couldn't be happier."
Samantha P.DSCR Investor Loans Client with Billy Watkins
