DSCR Program

    At Mortgage Capital, we help real estate investors grow their portfolios with less hassle. Our DSCR (Debt Service Coverage Ratio) Loan Program offers a smart solution—no personal income verification required. Instead, we qualify based on the property’s rental income, making the process faster, simpler, and investor-friendly.

    Program Highlights

    ✔️ No Income, No Employment Required on 1003
     ✔️ Credit Scores from 640+
     ✔️ Up to 85% LTV—No Mortgage Insurance
     ✔️ Loan Amounts Up to $3,500,000
     ✔️ Cash-Out Available Up to $1,000,000
     ✔️ Foreign Nationals Eligible—Up to 85% LTV

    This is an ideal option for real estate investors who want flexibility without the burden of tax returns, W-2s, or employment verification.

    Key DSCR Loan Features

    • Qualification Based on Property Cash Flow Only
       Approval is based on the rental income vs. mortgage payment—no DTI ratios, no personal income docs required.
    • Investment Properties Only
       Perfect for investors looking to purchase or refinance single-family, condos, or 2–4 unit properties.
    • Reserves Requirements

      • U.S. Citizens: 6 Months PITI
      • Foreign Nationals: 12 Months PITI
         Cash-out proceeds can be used to meet reserve requirements.
    • Credit Flexibility

      • Credit scores starting at 640
      • 3-year seasoning for major credit events (foreclosure, short sale, bankruptcy, etc.)
    • Other Perks

      • No reserve requirement for other financed properties
      • DSCR as low as 1.0 accepted (break-even cash flow)

    Who Is This Program For?

    • Self-Employed Investors
      Skip the paperwork—qualify using property income only.
    • Foreign Nationals
      Finance U.S. real estate without traditional U.S. income verification.
    • Investors Seeking Cash-Out
      Tap into up to $1,000,000 in equity for future investments or improvements.
    • Buy-and-Hold Portfolio Builders
      Simplify and scale without income or employment roadblocks.

    Ready to Invest Smarter?

    Let Mortgage Capital help you access the capital you need, without the income hurdles. Our DSCR program was built for today’s savvy investor.

    Call us today at 561-300-0380 to learn more or get pre-qualified.