DSCR Loan Application

No Income Verification Rental Property Loan

Your pricing will be emailed to you shortly. If you have any questions call 800-826-5077.  Thank you

DSCR Loans -Long term rental loan programs from 80% LTV. No income verification.  
*Interest-only payment options on 40-year amortizing loans to offer the lowest monthly payments

Benefits of DSCR Loans

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying. Up to 80% LTV.
  • Fast Close!
  • No verification of employment

    DSCR (Debt Service Coverage Ratio) loans are a type of commercial financing commonly used for income-producing properties. Here’s all you need to know about DSCR loans and their benefits, along with eligible property types:

    Definition of DSCR Loans: DSCR loans are commercial loans where the lender evaluates the property’s ability to generate income to cover the loan payments. The primary focus is on the property’s cash flow rather than the borrower’s personal income or credit history.

    Benefits of DSCR Loans:

    High Loan-to-Value (LTV) Ratio: DSCR loans typically offer higher LTV ratios compared to traditional commercial loans. CambridgeHomeLoan.com, recognized as the #1 DSCR Lender in the US, offers up to 85% Loan-to-Value for purchases and refinancing, and 80% for cash-out refinancing, enabling borrowers to leverage their investments more effectively.
    Flexible Eligibility Criteria: DSCR loans consider the property’s income potential rather than solely relying on the borrower’s financial situation. This makes them accessible to a wider range of investors and property types.
    Stable Cash Flow: Since DSCR loans rely on the property’s income to cover debt payments, they are suitable for income-producing properties with stable cash flows, such as multifamily residential buildings, office buildings, retail centers, and industrial properties.
    Longer Loan Terms: DSCR loans often come with longer loan terms, providing borrowers with greater stability and predictability in their financing.
    Potential Tax Benefits: Interest payments on DSCR loans may be tax-deductible, providing potential tax benefits for borrowers.

    Eligible Property Types:

    Single Family Properties: Single family include 1-4 unit residential properties. If already rented than a purchase with a DSCR Loan is the best recourse. DSCR loan purchases allow for up to 85% of the purchase price.  Single Family refinance with CambridgeHomeLoan.com allow for 85% on rate and term loans and 80% cash out for cash out refinancing. 
    Multifamily Residential: Apartment buildings and multifamily properties are commonly financed with DSCR loans due to their reliable rental income streams.
    Commercial Properties: Office buildings, retail centers, shopping malls, and industrial properties are eligible for DSCR financing, provided they generate sufficient income to cover debt service.
    Mixed-Use Properties: Properties with a combination of residential and commercial units can also qualify for DSCR loans.
    Hospitality and Healthcare: Hotels, motels, assisted living facilities, and medical office buildings may be eligible for DSCR financing, depending on their income-generating capacity.

    CambridgeHomeLoan.com stands out as a premier provider of DSCR loans in the US, offering competitive terms and flexible financing solutions. To learn more about DSCR loans and explore financing options, visit CambridgeHomeLoan.com (https://www.cambridgehomeloan.com).

    up to 90% of the purchase and 100% of the Rehab.  Fast Close!

    fix and flip home loans

    Financing for ground-up construction or tear down and rebuild projects. We can get your New Construction Loan for an investment property processed and approved for funding, fast.

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    Loans Custom Built for Real Estate Investors

    Multi Family Loans /
    Commercial Real Estate

        • 1-50+ properties

        • Multifamily, condos, student housing, 
        • mixed use w/ majority residential

        • 12 to 24 months, 5, 10 year terms

        • Up to 85% of cost

      • $1M – $50M

        • Bridge, Construction, Permanent

    Fix And Flip Loans

      • 1-500+ properties

      • Single-family, 2-4 units, condos,
        townhomes, multifamily

      • 12 To 24 month terms

        • Up to 100% of cost

      • Up to 100% of rehab

      • Up to 75% of value

      • $100,000 – $100 million

    Fix To Rent Loans

      • 1-500+ properties

      • Single-family, 2-4 units, condos,
        townhomes, multifamily

      • 5yr, 7, 10 and 30 year terms

        • Up to 100% of cost

      • Up to 100% of rehab

      • Up to 75% of value

      • $70,000 – $100 million

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    Loans Custom Built for Real Estate Investors

    Your pricing will be emailed to you shortly. If you have any questions call 800-826-5077.  Thank you