DSCR Mortgage News and Updates

We are pleased to announce several important program updates that create additional financing opportunities for real estate investors, foreign nationals, and other borrowers who may not meet traditional agency guidelines. The latest changes include a new DSCR option for borrowers with credit...

If you're looking to refinance and pull cash out of an investment property, our latest DSCR program offers one of the most competitive solutions available. Cash Out Up to 80% Loan-to-Value Qualified investors with a 720 or higher FICO score may be eligible for up to 80% loan-to-value (LTV)...

A borrower purchased an investment property with cash a few months ago and now wants to withdraw some of that capital to fund their next acquisition. They contact a lender seeking a cash-out refinance, only to discover that many conventional investor loan programs require 6 to 12 months of...

A Debt Service Coverage Ratio (DSCR) loan qualifies the borrower based on the subject property's cash flow. However, it’s important to note that we also offer DSCR programs that do not require a debt service coverage ratio at all. This option, commonly known as a No Ratio DSCR program, is ideal...

Our Debt Service Coverage Ratio (DSCR) loan program has been updated with new guidelines designed to give investors more options when financing or refinancing rental properties. Key Program Updates 1. Vacant Properties Now Eligible Refinances: Vacant 1–4 unit properties are allowed with a maximum...

We are one of the few mortgage companies that offer 85% financing for a DSCR loan program. We are very well known for our creative DSCR loan programs. We offer over a dozen DSCR loan programs to help you finance your investment properties. Program Highlights Our DSCR mortgage program comes packed...

Did you know that when doing a DSCR refinance, monthly gross rents are determined by the higher of the actual lease or the market rent listed on the appraisal form (1007/1025)? Here’s how it works: If the actual lease amount is higher than the market rent, lenders will require two months of proof...

Do you own an Airbnb or VRBO property, or are you considering buying one? Financing a short-term rental (STR) property doesn’t have to be complicated. Our DSCR Short-Term Rental Program is designed specifically for investors with short-term rental income. Unlike conventional mortgages, this...

Our real estate investors, who own or manage short-term rental properties listed on platforms like Airbnb, VRBO, Vacasa, or others, turn to us for their mortgage financing. We specialize in Debt Service Coverage Ratio (DSCR) loans, which are explicitly designed for investors. Short-Term Rental...

We help real estate investors maximize their returns by leveraging Debt Service Coverage Ratio (DSCR) loans, without personal income verification or strict seasoning requirements. In this case study, we’ll show how one investor used a DSCR loan to refinance a recently renovated property in under...

DSCR rental loan interest rates dropped by 0.50% in February 2025, reversing January's climb. This shift is driven by a dip in the 10-year Treasury and a reduced risk premium from lenders, particularly benefiting properties with DSCRs between 0.80x and 1.10x. If you've been considering a...

The DSCR mortgage program is available for both seasoned investors and those just stepping into the world of real estate, DSCR (Debt Service Coverage Ratio) mortgages offer a unique opportunity to expand your portfolio with 5-8 unit residential buildings. At We specialize in providing tailored...

Small-Balance Commercial Program Our Small-Balance Commercial Program is crafted to meet the unique needs of borrowers who may not fit the traditional lending mold. Here’s how this program can benefit you and your clients: - Loan Amounts: We offer loans ranging from $100,000 to $10 million,...

Are you a real estate investor looking to expand your real estate portfolio? Our DSCR (Debt Service Coverage Ratio) mortgage program is designed to provide you with a financing solution when it comes to purchasing or refinancing investment properties. Our DSCR mortgage program offers a range of...

A Debt Service Coverage Ratio (DSCR) loan is a specialized type of financing designed primarily for real estate investors. This report explores the background, mechanics, and benefits of DSCR loans, as well as identifying the primary beneficiaries of this financial product. What is a DSCR Loan? A...

Investing in real estate can be a lucrative venture, especially when you have the right financial tools at your disposal. At DscrMortgage.com, we understand the unique challenges and opportunities that come with purchasing non-warrantable condominiums. Today, we’re excited to share a success story...

Are you new to investing in real estate? Our guidelines can assist you in obtaining a DSCR business-purpose loan. At DSCRMortgage.com, we prioritize exceptional service every step of the way. Our dedicated loan officers are well-versed in guidelines, ensuring a smooth and efficient process for our...

In the realm of investment properties, the traditional requirement for a comparable rent schedule on form 1007 has been a longstanding practice. However, a common roadblock arises when an appraiser declines to utilize short-term rental comparable on the 1007 form. This obstacle has historically...

Elevate your real estate investment portfolio with our innovative DSCR Loans! Our efficient solution makes acquiring investment properties easier. A few things to keep in mind 20% down payment only 3 months of reserves required Cash-out options offered Loan amounts up to $3 million Interest-only...

We offer a mortgage program that enables our borrowers to rent out their property through platforms like Airbnb or VRBO. Our DSCR mortgage program is tailor-made for this particular purpose. Market Rent The way we calculate income for the property is to use the rental income given by the appraiser...