• UP To 85% LTV on a Purchase and Refinance
  • Up To 80% for Cash Out Refinance
  • Purchase – Refinance – Cash-Out
  • No Seasoning Required (BRRRR Friendly!)
  • No Income or Employment Required
  • Foreign Nationals Eligible



The Premier DSCR Loan Minnesota Lender!
Rental property investment loan option for long term cash flowing properties, up to 80% LTV

brrrr method


Up To 85% LTV
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


UP To 80% LTV
Cash out re-finance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
Fast Close

cash out refinance


Up To 85% LTV
Refinance and reap the benefits 
from your investment property.
No income or employment required!
Up to 40 year amortization
Interest Only Options!

For investors who are looking to purchase or have an existing short-term loan looking for an opportunity to streamline a 30-year term, the (Debt Service Coverage Ratio) DSCR loan Minnesota for non-owner-occupied rental investment properties is the best way to go

Benefits of DSCR Loan

  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Foreign Nationals Eligible
  • No Seasoning Required
  • No verification of employment
  • BRRR Friendly

Perfect Loan for Rental Properties Minnesota -Commercial & SFR!

What is A Debt Service Coverage Ratio (DSCR)?

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

The Debt Service Coverage Ratio (DSCR) 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. These loans are different from a owner occupied Minnesota Home Loan in that they are typically financed under an LLC and do not require income or employment.

DSCR Loan Minnesota- The Process For a Fast Close!

Step By Step Minnesota DSCR Loan Application Process

Step 1: The Minnesota DSCR Loan Application

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 Your Minnesota DSCR Loan

Minnesota 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 with streamlined documentation.

cash out refinance

Fast Approvals

Streamlined Underwriting

Approval in 24 Hours

Close in as little as 3 days

DSCR Loan Minnesota

Easy Process

No Appraisal Required

Tax Returns Not Needed

No Minimum Credit Req.

DSCR Loan Minnesota

Reliable Partner

In House Capital

30+ Years of Experience

Direct Private Lender

dscr loan program


* Purchase, Refinance, Cash Out Refinance
* Up To 85% 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
* 100% of the Rehab Provided Closing 5-7 days!

construction loan


* Ground Up Construction
* Builders and Investors
* Primary, Investment & Commercial
* Up To 85% of Ground / 100% of Construction

How to calculate a properties Debt Service Coverage for a DSCR Loan Minnesota:


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.


* Loans of up to $50,000,000.
* Unlimited Cash Out
* Down Payment as low as 15% 
* No income or employment history
* Interest Only Loans Available
* Works with both short term and long term rental properties
* Cash out to purchase more investment properties
* Good for both new and investment properties
* Less paperwork than conventional mortgages

How Do You Apply for a Minnesota DSCR Loan?

To apply for DSCR loans in MN with CambridgeHomeLoan.com, you’ll need to follow our simple 5-step process. 

This process starts with a simple virtual meeting or phone call, after which we’ll move on to the loan application process.
Next, you’ll lock in your rate and we’ll send you the application and disclosures for you to sign.
After you’ve signed those, we’ll request a list of supporting documentation.
Then due diligence; This includes an appraisal of the property you’re applying for a loan for and underwriting your documents
and Finally, You receive your clear to close and sign your closing documents.

Frequently Asked Questions: DSCR Loan Minnesota

Are DSCR Loans Expensive?

DSCR loans typically have down payment of 15-25% down. 

Is it hard to get a DSCR Loan in Minnesota?

Not at all! 
DSCR loans are simpler to obtain, and the application procedure is more efficient and simplified. The criteria for DSCR loans are generally less stringent. DSCR loans are great for investing in Minnesota’s growing market!

What types of properties are eligible for DSCR loans in Minnesota?

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 30 years with options for as high as 40 years or as low as 20.  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?

In order to improve your DSCR, you need to increase your net operating income or reduce your debt service payments. The easiest way to improve your DSCR is to invest more money, but you can also buy insurance, find ways to reduce 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. 

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

See the criteria above!

If you’re not sure, submit an application or call to speak to an expert loan officer about your scenario.

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
• Minimum 15% down payment required
• Must provide proof of income from rental property to qualify
• Closing costs can be higher than conventional mortgages for DSCR loans.

Overall, DSCR loans can make it easier to purchase investment properties and provide flexible financing options.

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), leaving $0.25 in profit. 

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?

Although you do not need higher-than-average credit,  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?

Unlike many home loans, DSCR investment loans do not consider Debt-to-Income. 

Instead, DSCR loans focus on the DSCR ratio or the cash-flow of the property.

How many DSCR loans can you have in Minnesota at one time?

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.

Are foreign nationals eligible for DSCR loans?


CambridgeHomeLoan.com has many programs for foreign national real estate investors. 

Real Estate Investment & Finance Blog

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Ultimate Guide To DSCR Loans

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