DSCR Loans - Smart Financing for Investors
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) Loan is a flexible financing option designed for real estate investors who want to qualify for a mortgage based on their property's cash flow - not personal income. This means no tax returns, W-2s, or pay stubs needed! Instead, we focus on your investment property's ability to generate rental income that covers the loan payments.
Why Choose a DSCR Loan?
No Personal Income Verification - Qualify based on rental income, not your job.
Easier Approval - Ideal for self-employed investors or those with complex finances.
Unlimited Properties - No cap on the number of investment properties you can finance.
Flexible Loan Terms - Options for fixed-rate, adjustable-rate, and interest-only loans.
Fast & Simple Process - Less paperwork, quicker closings!
Who Can Benefit from a DSCR Loan?
Real estate investors looking to expand their rental portfolio.
Self-employed individuals who may not qualify through traditional income verification.
Entrepreneurs wanting leverage rental income for property investment.
Anyone looking for hassle-free investment property financing!
How Does It Work?
We use a simple formula:
DSCR = Rental Income
÷ Mortgage Payment
A DSCR of 1.0 or higher means your rental income covers the mortgage.
A higher DSCR improves your loan approval chances and terms!
Ready to Invest? Let's Talk!
Claudia is here to guide you through the DSCR loan process and help you secure the best financing for your investment goals.
📩 Contact Claudia today to get started!
Office: 74967 Sheryl Avenue Palm Desert, CA 92260
First West Financial, NMLS: 252853
Call: 760-275-3281
Email: [email protected]
NMLS: 301874