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DSCR Loan Program: A Simple Way to Finance Your Investment Property

Looking to refinance an investment property? Our (DSCR- Debt Service Coverage Ratio) loan program offers a straightforward path for both seasoned and new investors

Who Can Apply?

We make it easy for all kinds of investors: • Individuals & LLCs — Own the property personally or through an LLC? No problem!
• New or Experienced Investors — Whether you’ve been in the game for years or just got started,we’ve got you covered. Any applicant that has owned an investment property for at least 365 calendar days (i.e., one year) prior to the application date is considered an experienced investor.
• LLC Details — If you’re applying through an LLC:
o It must be a U.S.-based company in good standing
o Owned by natural persons (no trusts or other businesses)
o Applicants/guarantors must own at least 25% of the LLC and have clear signing authority.

What Are the Financial Requirements?

To help ensure success, we look at a few key areas:

Valuation and Inspection Requirements

For loan amounts under $400,000, an Automated Valuation Model (AVM) will be used to assess the property’s value, and a Property Condition Inspection (PCI) will be conducted prior to disbursement.

For loan amounts over $400,000, a property appraisal—either hybrid or full, depending on the property type—will be required.

Reserves:

You’ll need enough in liquid reserves to meet minimum requirements, verified quickly and securely via Plaid.

DSCR (Debt Service Coverage Ratio):

This is how we measure whether the property pays for itself. We compare gross rental income to monthly expenses like your loan payment, taxes, insurance, and HOA (if any).

Clean Credit History:

o No recent mortgage lates (past 6 months)
o No large non-medical collections (over $500)
o No bankruptcies or foreclosures in the last 5 years

Loan-to-Value (LTV):

Based on your credit and experience:
o Up to 80% LTV for experienced investors with excellent credit
o Up to 75% LTV for new investors with excellent credit

What Are the Financial Requirements?

To help ensure success, we look at a few key areas:

Valuation and Inspection Requirements

For loan amounts under $400,000, an Automated Valuation Model (AVM) will be used to assess the property’s value, and a Property Condition Inspection (PCI) will be conducted prior to disbursement.

For loan amounts over $400,000, a property appraisal—either hybrid or full, depending on the property type—will be required.

Reserves:

You’ll need enough in liquid reserves to meet minimum requirements, verified quickly and securely via Plaid.

DSCR (Debt Service Coverage Ratio):

This is how we measure whether the property pays for itself. We compare gross rental income to monthly expenses like your loan payment, taxes, insurance, and HOA (if any).

Clean Credit History:

o No recent mortgage lates (past 6 months)
o No large non-medical collections (over $500)
o No bankruptcies or foreclosures in the last 5 years

Loan-to-Value (LTV):

Based on your credit and experience:
o Up to 80% LTV for experienced investors with excellent credit
o Up to 75% LTV for new investors with excellent credit

What Properties Qualify?

These loans are just for investment (non-owner-occupied) properties, including:
• Single Family Homes
• Townhouses / Rowhouses
• Condos
• Planned Unit Developments (PUDs)

Note: The property must not be listed for sale and must have been owned for at least 90 days. DSCR
loans require a first lien position.

Call me now at 954-600-2800

What Properties Qualify?

These loans are just for investment (non-owner-occupied) properties, including:

• Single Family Homes
• Townhouses / Rowhouses
• Condos
• Planned Unit Developments (PUDs)

Note: The property must not be listed for sale and must have been owned for at least 90 days. DSCR loans require a first lien position.

Loan Features & Property Valuation

• 30-Year Fixed Rate — Peace of mind with consistent payments.
• Loan Amounts:
o Minimum: $75,000
o Maximums: $1,000,000 for experienced / $500,000 for new investors
• Cash-Out Available:
o Experienced investors: up to $500,000
o New investors: up to $250,000
• Business Use Only — You’ll sign a simple affidavit confirming the loan is for investment purposes only.
• Valuation — We use a blend of appraisals + AVMs (Automated Valuation Models) to determine value accurately.

Easy Application Process

• Apply Online — Get started in minutes.
• Soft Credit Pull — No impact on your score to get prequalified. We’ll do a hard pull later only if you move forward.
• Verification Made Easy — We’ll confirm:
o Rental income (using leases or market rent estimates)
o Property taxes and insurance
• AutoPay = Discount — Set up AutoPay for a better rate and stress-free payments.

Call Me Now to Get Started — No Obligations, No Credit Impact

Let’s run your application and explore your options with zero pressure and no hit to your credit score.
It’s quick, easy, and completely free to see what you qualify for.

Call me now at 954-600-2800

I’m happy to help!

Alexandra Gonzalez NMLS 997183

NMLS

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Business Hours

  • Mon-Sat: 9:00AM-7:00PM
  • Sun: Closed
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