DSCR LOANS

Simple funding based on your property’s cash flow

DSCR LOANS

DSCR deals aka as BRRRR due to our aggressive guidelines, fast turn times, and unwavering support. The cherry on top is that you get to work with the top REI Broker Partner

  • 80% LTV with DSCR down to .75 with a 700 FICO
  • FICOs down to 600
  • Use the higher of market rent or lease with no cap
  • Brand-new leases accepted
  • Refinances on vacant properties
  • Recent/current listings okay. No LTV or pricing hits
  • FTHBs okay. No LTV hits
  • 100% gift funds okay
  • No reserves up to $1.5MM
  • No seasoning for C/O
  • No seasoning requirement on title
  • No seasoning for using appraised value
  • 6% seller concessions
  • Rural is not defined by the appraisal
  • Up to 10 acres on DSCR or 20 on business-purpose loans when qualifying with income
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Financial Flexibility

Investment Growth

Summary, a DSCR loan helps income property owners secure financing aligned with their property’s cash flow, promoting sustainable investment and growth.

Regarding tax benefits, borrowers of loans may enjoy:

  • Annual Tax Deductions: Mortgage interest payments on the loan are typically tax-deductible, reducing taxable income.
  • Depreciation Benefits: The property can be depreciated over time, leading to annual deductions that improve cash flow and reduce tax liability.
  • Operational Expense Deductions: Maintenance, insurance, and management costs associated with any type of income producing property are deductible, further lowering taxable income.

How it helps owners of income properties:

Enhanced Loan Approval Chances:

If a property has a high DSCR (typically above 1.25), lenders see it as a lower risk, increasing the likelihood of loan approval.

Favorable Loan Terms:

Higher DSCRs often qualify for better interest rates and loan conditions.

Financial Flexibility:

It provides owners with confidence that the property can sustain mortgage payments even if income fluctuates.

Investment Growth:

By leveraging a DSCR loan, owners can acquire more properties or refinance existing ones, fueling portfolio expansion.

Risk Management:

Ensuring a healthy DSCR helps owners maintain financial stability, especially during market downturns or periods of lower rental income.

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Your Loan Journey Made Simple

How Dose REI Work?

Our loan process is simple, transparent, and fast.
We handle every step with care and efficiency, guiding you through the process to make funding smooth, stress-free, and successful.

STEP 01

Discovery & Quote
  1. Discovery Call, learn about your product
  2. Collect Information about your project and owners
  3. Provide Quote Sheet Same Day

STEP 02

Apply & Get Approved
  1. Take the next step
  2. Complete our Loan Application
  3. Collect some Loan Documents
  4. Secure Loan Loan Commitment

STEP 04

Final Review & Closing
  1. Final Review
  2. Clear to Close your Loan
  3. Congratulation, we are closing your Loan!

REAL ESTATE INVESTOR LOANS

Loans to grow and manage your property assets.

DSCR LOANS

Turn declines into approvals with a DSCR solution

COMMERCIAL LOANS

Financing for acquiring or developing business real estate.

HARD MONEY LOANS

Quick, asset-backed loans for short-term projects.