* Up To 85% of Purchase Price or Refinance
* Up To 80% for Cash Out Refinancing
* FICO as low as 600
* Single Family 
* Multifamily 5+ Units
* Commercial Real Estate Investment

Investment Real Estate DSCR Lender !


The DSCR loan is designed for Real Estate Investors who are looking to qualify for a mortgage loan based on the cash flow generated by an investment property. A DSCR loan lender does not require tax returns, proof of income or employment information to qualify.




fix and flip home loans


Up to 80% Cash Out No Income or Employment Required Fast Close, BRRRR Friendly No Seasoning
FICO Starting at 600 -

cash out refinance


Up to 85% LTV (15% Down) No Income or Employment Required Fast Close, BRRRR Friendly No Seasoning
FICO Starting at 600 -

brrrr method


Up to 85% LTV (15% Down) Can fund below 1:1 Fast Close, BRRRR Friendly No Seasoning
FICO Starting at 600

For investors who have an existing short-term loan looking for an opportunity to streamline a 30-year term Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties.

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
  • Fast Close!
  • No verification of employment
  • Low FICO ok
  • Foreign National or First Time Investors approved
  • Only 15% down required on purchase
  • Cash out up to 80% of current value
  • Nations #1 DSCR Loan Lender
DSCR Loan Lender


Select Your State: We Lend Nationwide!

Step By Step DSCR Loan Application Process

Step 1: Apply

Open a new browser
Go to https://www.CambridgeHomeLoan.com/DSCRLoanApplication

Step 2: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Step 3: DSCR Calculation and 1007 Rent Schedule

Once you submit the loan application, your lender will calculate the DSCR ratio, which must be greater than 1, to have your mortgage approved. Moreover, during the appraisal the lender will require a 1007 Rent Schedule to know the property’s fair market rent and ensure the property can sustain the mortgage with market rents.

Step 4: Closing

DSCR loans do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs.


dscr loan texas


Texas, known as “The Lone Star State,” boasts a diverse and thriving real estate market. With a rapidly growing population, a robust economy fueled by industries like energy and technology, and a business-friendly environment, Texas offers an array of real estate opportunities. Cities like Houston, Dallas, and Austin are particularly attractive to investors due to their economic vibrancy and a range of housing options.

dscr loan florida


Florida, often referred to as “The Sunshine State,” is a real estate hotspot with a unique appeal. Its warm climate, beautiful beaches, and tourist-friendly atmosphere contribute to a buoyant real estate market.

Cities like Miami, Orlando, and Tampa are known for a mix of residential and vacation properties, making Florida a magnet for both local and international real estate investors.

dscr loan maryland


Maryland, nicknamed “The Old Line State,” combines historical charm with a diverse real estate landscape. The state’s proximity to Washington, D.C., and its well-educated population contribute to a stable and competitive real estate market.

Cities like Baltimore and Bethesda offer an attractive destination for a blend of tradition and innovation in their real estate investments. Maryland provides consistent returns.

dscr loan ohio


Ohio, referred to as “The Buckeye State,” boasts a diverse and dynamic real estate landscape. With a mix of urban and suburban areas, Ohio offers a range of investment opportunities. Cities like Columbus, Cleveland, and Cincinnati have vibrant real estate markets, fueled by a strong job market and a cost of living that is lower than the national average. Ohio’s strategic location and economic stability make it an attractive destination for real estate investors seeking growth and stability.

dscr loan kentucky


Kentucky, known as “The Bluegrass State,” presents a unique blend of scenic beauty and historical significance. Its real estate market reflects a mix of rural charm and urban development.

Cities like Louisville and Lexington showcase a diverse range of properties, and with a cost of living below the national average, Kentucky attracts real estate investors looking for affordability without compromising on lifestyle.


dscr loan iowa


Iowa, nicknamed “The Hawkeye State,” is characterized by its agricultural richness and friendly communities. The state’s real estate market reflects a balance between rural tranquility and urban conveniences.

Cities like Des Moines Iowa offer a stable housing market, and Iowa’s low unemployment rate contributes to a steady demand for housing. The state’s affordability and sense of community make it an appealing destination for real estate investment.



Are DSCR Loans Expensive?

DSCR loans typically require a 20-25% down payment.

Is it hard to get a DSCR Loan?

Not at all! Approval for DSCR loans is easier because it depends on your property’s income rather than your financial situation.
DSCR loans are simpler to obtain, and the application procedure is more efficient and simplified. The criteria for DSCR loans are generally less stringent.

What type of property can I buy with a DSCR Loan?

The DSCR loan allows you to acquire a wide range of properties for various purposes, including short-term and long-term rental. You can buy a single family investment property, 1-4 Family or 5+ Multifamily.

How long is a DSCR loan?

DSCR loans are typically given for terms of anywhere from 5 to 25 years, with the most common being 15 or 20 years. The length of the loan will generally be determined by the lender based on factors such as the type of property being purchased and the projected cash flow of the business.

How can I improve my DSCR?

The easiest way to improve your DSCR is to invest more money, but you can also buy insurance, fight annual property taxes, and charge more rent. Allowing pets or including extra amenities like a washer and dryer are easy ways to increase your rent. Additionally, In order to improve your DSCR, you need to increase your net operating income or reduce your debt service payments.

How do I know if I’m eligible for a DSCR Loan?

To be eligible for a DSCR Loan, you must have strong credit and income. Most importantly, you’ll need to demonstrate that you can make your mortgage payments by providing proof of income from your rental property.

What is a no DSCR loan?

A no DSCR loan is a type of commercial loan that does not require the borrower to have a  DSCR of 1.0 or higher. This indicates that the borrower does not need to earn enough income to cover their monthly debt payments. No DSCR loans are typically used by businesses that are expanding or taking on new projects, as they may not have the income necessary to meet all their debt obligations.

What are the pros and cons of a DSCR loan?

• Easier to qualify than other investment property loans
• No personal income verification is required
• Flexible underwriting guidelines
• It can be used to finance properties with little or no rental history
• Higher interest rates and fees than conventional mortgages
• 20-25% down payment required
• Must provide proof of income from rental property to qualify
• Closing costs can be high for DSCR loans.

Overall, DSCR loans can make it easier to purchase investment properties and provide flexible financing options. Be sure to compare lenders and get the best rate available for your situation.

What does a DSCR ratio of 1.25% mean?

A DSCR of 1.25 means that there is sufficient cash flow to cover the loan payments and other debt obligations. Specifically, a DSCR of 1.25 indicates that for every $1.25 in annual loan payments, there is $1.00 of net income available to pay those debts after accounting for all operating expenses (including taxes and depreciation).

A DSCR of 1.25 is considered a good ratio by lenders, as it shows that the borrower has sufficient income to cover their loan payments. It also indicates that the borrower’s debt obligations are manageable. In general, lenders prefer to see a DSCR of at least 1.15 for conventional loans and 1.25 for investment properties.

Rental income: $150000, Expenses: $25000, Mortgage Payment: $100000
DSCR= $150K – $25K/ $100K
= $125K/$100K = 1.25

A higher DSCR is even better, as it shows the lender that the borrower has more than enough income to cover their loan payments.

Do you need good credit for a DSCR loan?

No, you do not need good credit for a DSCR loan. While your credit score is still important, it carries less weight when it comes to qualifying for a DSCR loan. This is because lenders will focus more on the rental income and expenses associated with the property in order to determine if the borrower can make their loan payments.

What is a DSCR for commercial loans?

The debt service coverage ratio (DSCR) for commercial loans is a measure of an entity’s ability to meet its debt obligations. It is calculated by dividing the net operating income (NOI) by the total loan payments per year. The higher the DSCR, the more cash flow there is available to make payments on the loan, and it is thus preferred by lenders.

What is the maximum DTI (Debt to income) for a DSCR loan?

The maximum debt-to-income (DTI) ratio for a DSCR loan is usually 45%. This means that the borrower must have income that is at least 45% lower than their total monthly debt payments.

In other words, if your total monthly debts are $2,000, then you’ll need to demonstrate at least $1,800 in monthly income to qualify for a DSCR loan.
While this is the general rule of thumb, lenders may have different requirements, so it’s best to check with your lender to see what their specific DTI requirements are. There are also other programs that require no DTI ratio.

How many DSCR loans can you have?

Generally, there is no limit on how many DSCR loans you can have. However, lenders will usually impose a maximum loan-to-value (LTV) ratio and/or total debt service coverage ratio (TDSCR) when determining the amount of money they are willing to lend out. It’s important for borrowers to work with lenders to ensure that their rental income and expenses align so that they can meet the loan terms.



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