Benefits of A DSCR Loan Massachusetts:
 * Purchase Loans Up To 85% LTV.
* Cash Out Refinance Up To 80% LTV.
* Purchase, Refinance and Cash Out
* No Income or Employment Required
* Limited Documentation
* Fast Close! As Fast as 5 Days

#1 DSCR Lender Massachusetts


CambridgeHomeLoan.com, your trusted resource for DSCR loans in Massachusetts. We specialize in providing financing solutions for investment and commercial real estate projects, ensuring that your investment is backed by a strong Debt Service Coverage Ratio (DSCR) Loan. Whether you’re a professional investor or a first-timer, our team is dedicated to guiding you through the process of securing the right DSCR loan for your needs in Massachusetts.

brrrr method


No Income Investment Loan
Just use rental income to qualify!
No DTI Programs available
Interest Only terms available
30 and 40 year amortization options

Refinaance your home


Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close

cash out refinance


Refinance and reap the benefits of passive income
No income or employment required!
Up to 40 year amortization
Interest Only Options!

The premier rental property investment loan DSCR Loan Massachusetts option
for long term cash flowing properties, up to 85% LTV.

Looking to refinance to a 30 or 40-year loan. The Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties is the way to go.

Benefits of DSCR Loan Massachusetts

  • 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

What is Debt Service Coverage Ratio (DSCR)?

A measure of an investment properties cash flow about its debt obligations is called the Debt Service Coverage Ratio, or DSCR.

The Debt Service Coverage Ratio (DSCR Loan Massachusetts) is the borrower’s capacity to service or repay the annual debt payment about the amount of Net Operating Income (NOI) generated by the asset. The higher the DSCR ratio, the more net operating income is available to repay the debt.

The DSCR Loan reveals if a real estate property is making enough money to cover the mortgage or not. When a real estate investor applies for a new loan or refinances an existing mortgage, lenders evaluate the debt service coverage ratio as one indicator to calculate the maximum loan amount.



dscr loan program


* Purchase, Refinance, Cash Out Refinance * Up To 80% LTV
* 15-30 Day Close * No Income Required

fix and flip loan programs


* Fix to flip or Fix to Rent . * Up to 90% of the Purchase and 100% of the Rehab. Closing 5-7 days!

rental loan


* Cash out Refinance into a 30 or 40 year loan..
* Closing as fast as 30 days! * Up To 80% LTV

construction loan


* Ground Up Construction * Builders and Inverstors
* Up To 85% of Ground / 100% of Construction

What are the requirement to obtain a Debt Service Coverage Ratio (DSCR) Loan in Massachusetts?

The only requirement for a DSCR loan Massachusetts is the assets ability to repay the debt on the loan. No borrower income, tax returns or W2s required.

A DSCR ratio of 1x means that the cash flow of the property needs to cover 100% of the property expenses including the mortgage. Some lenders require the DSCR to cover 1.2 or 1.25 times. The higher this ratio the better for both the lender and the property owner. If your DSCR ratio is 1.2, than your properties cash flow covers 20% more than the properties expenses. CambridgeHomeLoan.com allows a DSCR of just .85 for a DSCR Loan.

How to calculate your properties DSCR in Massachusetts:


DSCR= NOI (Net operating income) -Expense
 Mortgage Payment 

Example: Income of $4000.00  Expenses $1,000.00, Mortgage Payment $2,000.00
Income – Expenses = $3,000.00 divided by $2,000 = $1.5%  DSCR ratio =1.5%
Anything over 1 means you are profitable. Under 1 means that there is not enough cash to cover your expenses.

What are the Benefits of A DSCR Loan Massachusetts?

The following are the key advantages and the benefits of an Massachusetts DSCR (Debt Service Coverage) loan:

  • DSCR Loans Massachusetts have easier application and faster closing times: With a DSCR loan you don’t need personal financial information or to explain any gaps that you may have in your job history.
  • DSCR Loans in Massachusetts do not  require or take into account Personal income: Because DSCR loans do not take into account any personal financial information, they are more accessible to borrowers who don’t have a considerable quantity of liquid assets.
  • You can purchase or refinance many properties at the same times: Many lenders require you to commit to only one property at a time. As a result, you can’t grow your investment portfolio quickly or get a loan for a second property unless you’ve paid off your previous one. DSCR investor loans with CambridgeHomeLoan.com allow you to obtain many loans for different properties at the same time.
  • High Cash-Out: The DSCR Loan Massachusetts has many benefits, one of which is high cash out amounts. This means that you can cash out up to 80% for repairs and improvements or to purchase additional real estate investment assets.
  • Ideal for both professional and new real estate investors: DSCR loans in Massachusetts are ideal for both seasoned real estate investors and novices. If you’re new to investing, this loan can help you get started on the right foot. As an experienced investor, a DSCR loan can provide the funds you need to take your business to the next level.

What is NOI or Net Operating Income in DSCR Investor Loans?

NOI or Net Operating Income, is a figure that is used by lenders to determine whether a property will be able to generate enough income to cover the costs of a loan. In order for a property to qualify for a DSCR loan.  The NOI must be greater than the amount of the loan payments. The net operating income of an investment real estate asset is calculated by subtracting all operating expenses from the property’s total gross income. Expenses includes things like repairs, insurance, and taxes. By subtracting these costs from the income generated by the property, the NOI gives both the investor and lenders an accurate picture of the property’s earnings.

How Can You Qualify for a DSCR Loan in Massachusetts, In Summary?

To qualify for a DSCR or Debt Service Coverage loan, the property’s rental income must meet or surpass the lender’s coverage ratio criteria. The coverage ratio, which varies based on the loan product and borrower, is calculated as monthly rental income divided by mortgage payment. It normally ranges from 1.0x to 1.5x.

For instance, the maximum mortgage payment is allowed if the DSCR, debt service coverage ratio is 1.0x and the property generates $5,000 in monthly rent. The highest possible mortgage payment is $3,333 when the DSCR is 1.5x. Your ability to borrow a particular amount will depend on the mortgage rate and program terms. 

The application procedure is streamlined and could take less time than a standard investment property mortgage because eligibility for a DSCR Loan is mostly mainly on the rental income generated by the property rather than your personal income.

A real estate investor who wants to buy or refinance an investment property but does not have enough personal income to be accepted or does not want to give their tax, financial, and job paperwork is a good candidate for the DSCR scheme.

How to Apply for a DSCR Loan?

You can apply for a DSCR Loan Massachusetts by applying HERE!

Step 2: Submit Proof of Your Properties Income

As an investors 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.


Once you submit the loan application, you will receive a due diligence checklist to provide your company or LLCs formation documents, EIN and operating agreement, 2 months bank statements and a copy of your drivers license. You should also provide your preferred title company and insurance company.

Step 4: Closing

Once title is completed and your insurance is in, a closing date will be set.


Massachusetts DSCR Loans Frequently Asked Questions

Are Massachusetts DSCR Loans Expensive?

DSCR loans are not expensive. They typically require a 20% down payment.

Is it hard to get a DSCR Loan?

Approval for DSCR loans is easier than a conventional loan because it depends on your property’s income rather than your financial situation.

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

The DSCR loan Massachusetts allows you to acquire a wide range of properties including single family, multi-family and vacation rentals.

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

To be eligible for a DSCR Loan, you must have good credit and income. Most importantly, you’ll need to demonstrate that you can make your mortgage payments typically shown by the 1007 provided by the appraisers analysis of market rents.

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 30 or 40 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 put more money down,  but you can also buy less expensive insurance, fight annual property taxes, and by charging 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 ratio, you need to increase your net operating income or reduce your debt service payments.

What is a NO DSCR loan?

A no DSCR loan 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.


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