What is a DSCR loan?
Discover how Debt Service Coverage Ratio loans allow you to qualify for investment property financing based on cash flow.
Understanding DSCR Loans
A DSCR (Debt Service Coverage Ratio) loan allows real estate investors to qualify for a mortgage based on the property's cash flow rather than their personal income.
Lenders look at the property's gross rental income and compare it to the property's debt service (principal, interest, taxes, insurance, and HOA fees). If the rental income covers the debt, you can qualify.
Why Investors Choose DSCR
- No Personal Income Verification: No tax returns, W-2s, or pay stubs are required.
- Scale Your Portfolio: Qualify for multiple properties without personal Debt-to-Income (DTI) limitations.
- LLC Closing: Close in the name of an LLC or corporate entity for asset protection.
- Simplified Underwriting: Faster process focused on the asset's performance and borrower's credit.
EZIO Lending specializes in matching investor scenarios with DSCR programs that offer the best leverage and terms for your specific rental strategy.
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