DSCR Realtor Advantage

Jan 31, 2024

Are you an investor looking to grow your real estate portfolio? This amazing product is perfect for both current and previous homeowners who want to start their real estate portfolios, as well as experienced investors looking to expand their investments.

With the DSCR Loan, investors have the flexibility to purchase a property using an LLC, rather than in their personal names. This provides added protection and peace of mind. Plus, there’s no need to worry about providing tax returns, pay stubs, or other income documentation. The DSCR Loan doesn’t calculate debt-to-income ratios, making the qualification process even easier.

One of the great features of the DSCR Loan is that it allows for mixed-use properties. So whether you’re looking to invest in residential or commercial properties, this loan has got you covered. And the best part? It’s less expensive than hard money loans, saving you money in the long run.

  • Investors can purchase a property with an LLC, not in their names personally.
  • No tax returns/paystubs or other income documentation is needed.
  • No debt-to-income ratio is calculated.
  • Mixed-use properties are allowed
  • Less expensive than hard money loans
  • Uses actual OR proposed rental income to qualify for the loan
  • Down payments from 15 to 35%.
  • Cash-out refinances allowed
  • Yes! Gift funds may be used on these transactions.

When it comes to qualifying for the DSCR Loan, you can use either the actual or proposed rental income to determine eligibility. This means you can leverage the potential income from your investment property to secure the loan. With down payments ranging from 20 to 35%, your investor will need some cash upfront, but the benefits far outweigh the initial investment.

Need to access the equity in your property? No problem! The DSCR Loan allows for cash-out refinances, giving you the flexibility to use your investment to fund other projects or investments. And if you’re wondering about using gift funds, the answer is yes! Gift funds may be used on these transactions, making it even easier to get started.

At DSCRMortgage.com, we understand the unique needs of investors and strive to provide tailored solutions that meet those needs. Our DSCR Loan is just one example of how we’re committed to helping you achieve your real estate goals. Contact us today to learn more about how this loan can work for you and start building your real estate portfolio with confidence.

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