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Understand DSCR Loans

What Type Of Property Can I Purchase?

Any residential property up to 4-units are allowed. This includes condos, townhouses, duplexes, etc.
*Non- warrantable condos are limited to 75% LTV . *Condo-Hotel loans are not permitted.

How many properties can I wrap into a DSCR Loan?

There are two options you can take with a DSCR loan. One is a standard loan with one property. You can also choose to do a blanket option that will encompass between 3 and 50 different properties with a maximum loan amount of $6,250,000.

What if my investments are short-term, nightly rentals?

With a history of income on your short-term rentals, we are able to look at taxes to figure out what your cash flow on a property is and use that as income. When purchasing a new nightly rental we can use the standard fair market rent for a 30-day term if no previous average is available.

Can I close a DSCR Loan in an LLC?

Yes. DSCR Loans are business purpose loans that allow you to hold the title of your properties in an LLC. This also removes it from your personal credit report.

Are Interest Rates High If I Am Not Using Standard Income To Qualify?

No. Interest rates for DSCR Loans can be very comparable to conventional rates.

How Much Cash Out Can I Recieve?

Cash-out on investment properties is up to $500,000 per property using 75% of the LTV. Up to $2,000,000. Cash-out must be used for business purposes.

What if my properties are in different states?

Properties can be located in any of the 50 united states.

Can I Sell Single Property DSCR Portfolio?

Yes. This is simply called a partial release price.


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DSCR Loans Are Not Personal Loans. DSCR Loans Are For Real Estate Investment Purposes Only
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