At Mortgage Capital, we specialize in Debt Service Coverage Ratio (DSCR) investor loans—a powerful financing solution for real estate investors who want to qualify based on a property’s income potential rather than personal employment or tax returns.
Whether expanding your rental portfolio or purchasing your first investment property, DSCR loans offer a streamlined, documentation-light way to secure financing.
What Is a DSCR Loan?
Debt Service Coverage Ratio loans are a non-QM (non-qualified mortgage) loan tailored for investors. Rather than verifying your income, lenders assess whether the property’s monthly rental income can cover the monthly mortgage payment (including principal, interest, taxes, insurance, and HOA, if applicable).
The ratio is calculated as:
DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment
A DSCR of 1.0 or higher typically qualifies, meaning the property earns enough to cover its expenses.
Key Benefits of DSCR Investor Loans
- No personal income verification required
- No tax returns or W-2s needed
- Loan amounts up to $3.5 million
- Cash-out options up to $1 million
- Up to 85% Loan-to-Value (LTV)
- Available to U.S. residents and foreign nationals
- Credit scores as low as 640 accepted
- Fast closings and simplified documentation
Who Are DSCR Loans For?
DSCR mortgage loans are ideal for:
- Real estate investors building or refinancing rental portfolios
- Self-employed individuals or retirees with limited verifiable income
- Borrowers seeking an alternative to traditional income verification
- Foreign investors purchasing U.S. property
DSCR Loan Requirements
While DSCR loans are more flexible than traditional mortgages, they do have some basic eligibility requirements:
- Minimum credit score: 640
- DSCR minimum: Typically 1.0 or higher
- Property types: Investment residential properties (1–4 units)
- Reserves: Minimum 6 months of PITI (12 months for foreign nationals)
- Seasoning: 3 years for major credit events (e.g., foreclosure, bankruptcy)
Why Choose Mortgage Capital?
Our experienced loan specialists understand investor financing and the importance of fast, flexible loan solutions. We offer:
- Personalized service tailored to investor needs
- Access to top DSCR loan products and competitive rates
- A simplified process with minimal paperwork
- Expert guidance from application to closing
Get Started Today
Whether you’re buying, refinancing, or cashing out on a rental property, a DSCR loan may be the smartest path forward.
Ready to leverage your property’s income potential?
Contact us today to see if you qualify for a Debt Service Coverage Ratio Investor Loan.