DSCR LOAN MARYLAND

 

PURCHASE – REFINANCE 
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PURCHASE

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

CASH OUT REFINANCE

Cash out re-fiinance your investment
property to build you portfolio today!
Low Rates, High Leverage!
Minimal Documentation
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REFINANCE {RATE AND TERM)

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

PURCHASE

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

CASH OUT REFINANCE

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

REFINANCE {RATE AND TERM)

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

The premier rental property investment loan option for long term cash flowing properties, up to 80% LTV

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

What is Debt Service Coverage Ratio (DSCR)?

A measure of an entity’s or in this case an investment properties cash flow about its debt obligations is called the Debt Service Coverage Ratio, or DSCR. In corporate finance, the entity is frequently a company or corporation, whereas, in multifamily and commercial real estate, it is typically an income-producing property.

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.

DSCR 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 Loans Maryland:
Debt Service Coverage Ratio:

The DSCR loan in Maryland is designed for Real Estate Investors in Maryland who are looking to qualify for a mortgage loan based on the cash flow generated by an investment property in Maryland.

A DSCR loan does not require tax returns, proof of income or employment information to qualify

dscr loan calculation

What is meant by Debt Service Coverage Ratio (DSCR)?

To properly analyze an investment property the investor will want to look at their cash flow. In order to determine a properties cash flow you will need to analyze your debt obligation or what is better know as a your debt service coverage ration or DSCR. This will help you determine if you are making money and if your current cash flow can cover your current loan or service your current debt.

In short, the Debt Service Coverage Ratio (DSCR) is the borrower’s ability to repay or service the debt payment or amount due monthly from the bank. The higher the Debt Service Coverage Ratio or DSCR, the more net operating income (aka NOI)is available to repay the debt and for profit..

DSCR lets you know 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

DSCR LOAN

Taking the first step on the real estate road to passive income and wealth? A rental property loan at a great rate can give you the momentum you need to grow your real estate (Buy, Repair, Rent, Refinance, Repeat (BRRRR) business.

fix and flip loan programs

FIX TO RENT

Looking for a fix to flip or fix to rent bridge loan. Up to 90% of the purchase and 100% of the rehab. Closing 5-7 days!
Fix to Flip or Fix to Refi into a 30 or 40year DSCR loan and build your passive income.

rental loan

CASH OUT REFI

Looking to scale your real estate investment portfolio. Cash out and refinance into a 30 or 40 year loan.. Closing as fast as 30 days!
Use your cash out for h your next rehab project.

CONSTRUCTION

Looking for a ground up construction loan? Are you a builder or investor building a spec house or a P.U.D.. Discuss your ground up scenario with us today and take advantage of the housing shortage.

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

The only requirement for a DSCR loan in Maryland is the assets ability to repay the debt on the loan. Typically a DSCR Loan lender in Maryland will have a required ratio that needs to be met to qualify for the DSCR loan.  A 1x means that the cash flow of the property needs to cover 100% of the property expenses including the mortgage. Some Maryland 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.

How to calculate your properties DSCR in Maryland:

 

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 is a DSCR loan program in Maryland? And How Do DSCR Investor Loans Work in Maryland?

The DSCR loan program in Maryland is designed for Maryland Real Estate Investors and mortgage brokers who look to qualify for a mortgage loan based on just the cash flow generated by their investment property and without providing proof of income, employment income or tax returns. These loans are used for investment properties that are profitable and can be used instead of a conventional loan because they do not require income verification. Most investors deduct their expenses on their tax returns and may not be eligible for a conventional loan. DSCR loans are frequently used to refinance fix and flip or rehab loans due to the ease of qualifying for a 30 year loan and for cash out. 

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No income or tax returns required

dscr loan

Who is the DSCR loan Good For?

DSCR loans are a good choice for investors who do not want to provide employment information, payslips, tax returns, W2s, etc. It’s ideal for self-employed borrowers with very complex incomes looking for an investment property, as it addresses the problem of having to deal with complex tax returns. It can also be a great option if you own several investment properties and say you have reached the traditional credit limit of ten. 

  • Investors that do not wish to provide employment information (tax returns, payslips, W2, etc.)
  • Investors that do not wish to buy and trade (as long as payment is not made before 6 months after loan closing)
  • Investors that wish to buy and hold real estate

What would be considered a Good DSCR Ratio in Maryland?

Most commercial lenders demand that their clients have a DSCR ratio of 1 or better. The average minimum for most lenders is 1. 

A DSCR ratio of 1.00 indicates that the borrower will have enough cash flow from the subject property to pay the principal mortgage, interest, taxes and insurance. If the DSCR ratio is 1.25 or , the borrower can make loan payments with some extra room and pocket some extra profit. A percentage of 1.50 would provide even more breathing room for the borrower and so on. Again, lenders typically require a minimum DSCR ratio of 1 to process your DSCR loan.

 

How do I Calculate my DSCR Ratio?

DSCR (Debt Service Coverage Ratio) is calculated by dividing net operating income (NOI) by total debt service (TDS).

NOI (Net Operating Income) is a property’s income after operating expenses are deducted before taxes, depreciation, interest and amortization.

TDS (Total Debt Service) is the sum of all periodic loan payments, including principal, interest, sinking funds, and lease buyouts.

Formula and Calculation of DSCR

The formula for calculating DSCR for a commercial or multifamily property is Net Operating Income / Debt Obligations. It’s tempting to use this quick and easy calculation, but it is important to double-check the figures before using the formula.

Net Operating Income (NOI) is generally derived using EBITDA (earnings before interest, tax, depreciation, and amortization), so it’s essential to understand this when calculating the DSCR for your property or business. For example, if a property had an ROI of $1,000,000 and an annual debt obligation of $850,000, it would have a DSCR of:

1,000,000/850,000 = 1.18 DSCR

Net Operating Income= Revenue − COE

COE = Certain Operating Expenses

Total Debt Service = Current debt obligations

DSCR Investor Loan Example:

A real estate investor may be considering a home with a gross rental income of $50,000 and an annual debt of $40,000. When you divide $50,000 by $40,000, you get a DSCR (Debt Service Coverage Ratio) of 1.25, which means that the property generates 25% more income than the properties expenses. This also means a positive cash flow in the lender’s eye.

What are the Benefits of DSCR Loans?

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

  • They have easier application and faster closing times: With a DSCR loan you don’t need to submit any personal financial information or explain any gaps that you may have in your job history, DSCR loans often have a streamlined application and fast closing times.
  • DSCR Loans does 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: Some mortgages 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 allow you to obtain many loans for different properties at the same time.
  • High Cash-Out: The DSCR has many benefits, one of which is high cash out amounts. This means that you can cash out for repairs and improvements or to purchase additional real estate investment assets.
  • Ideal for both seasoned and new real estate investors: DSCR loans 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. And as an experienced investor, a DSCR loan can provide the funds you need to take your business to the next level. A DSCR investor loan is a smart option for financing your real estate investments. 
 

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

A Net Operating Income, or NOI, 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 NOI 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 Maryland?

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 mortgage 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 in Maryland?

You can apply for a DSCR loan by applying HERE!

Step By Step DSCR Loan Application Process
Open a new browser and  Go to https://www.CambridgeHomeLoan.com/DSCRLoanApplication

 

Step 1: Apply

Click on the link above and fill out the application.

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.

Once you are approved for the loan, you will be provided with the interest rate, monthly payment, and the closing costs. Once agreed, you will go through the underwriting process, sign the final documents and close the loan.

What are The Current DSCR Program Requirements?

The requirements to qualify for the DSCR program are:

The Coverage Ratio

The coverage ratio is the most important qualification criteria for a DSCR mortgage and is calculated with rental income determined by a signed lease agreement or estimated rental income determined by a property appraisal report if there currently is no lease. Single-family home appraisals use the Form 1007 rent schedule, while two-to-four-unit residences utilize Form 1025. the appraiser will put together other rental comps for similar type rental properties in the neighborhood.

Depending on the lender, the debt service coverage ratio varies from 1.0x to 1.5x, meaning the actual or predicted monthly rental revenue must be equivalent to 1.0x to 1.5 of the mortgage payment. If you put at least 30% down, the coverage ratio may be reduced or even eliminated.

The Loan To Value (LTV) Ratio

All Loan or credit lines will require a Loan to Value (LTV) ratio of 80% for the DSCR loan program.  In other words a minimum of 20% down payment or 20% equity in the property will be required if looking to re-finance or a cash out refinance. There may be lower down payment options, but the interest rate will go up if you put less money down.

Prepayment Penalty

Debt Service Coverage Ratio (DSCR) loans could have a prepayment penalty, unlike typical mortgages for investment properties. We advise you to thoroughly read the terms of your loan to understand any fees or pre-payment penalties you could have to pay.

Refinancing

Most DSCR programs provide options for rate, duration, and cash-out refinancing in addition to purchase loans. With a DSCR mortgage, you might, in some circumstances, be able to withdraw more money from an investment property than you might with a conventional non-owner-occupied loan.

Loan Program

DSCR loan programs include interest-only and ARM mortgages, as well as fixed rate and adjustable-rate loans.

Eligible Properties

DSCR loans allow a variety of properties that are prohibited by regular investment property loans, including non-warrantable condos and properties with more than four units. An LLC may also own properties, which is not permitted by standard mortgage loan programs. In addition, most loans don’t place a cap on the total number of rental properties you can finance, which could help you grow your real estate portfolio faster..

What are the Borrower Qualifications for a DSCR Mortgage?

Credit Score Different credit lines require different minimum FICO scores.
Foreign investors can also qualify for DSCR loans without the need to establish credit Debt to income ratio is not considered when evaluating your application Employment is not checked.

Do DSCR loans require an appraisal?

DSCR loans, or loans that are not leveraged against any physical collateral, require an appraisal in order to be properly underwritten. The purpose of the appraisal is to establish a DSCR loan’s value in relation to other DSCR loans in the market. By appraising the loan, the lender can get a better understanding of the risks involved in lending to the borrower. Additionally, the appraisal ensures that the DSCR loan is being made at a fair price. DSCR loans that are not appraised may be subject to higher interest rates and fees.

What are the Program Costs and Fees of DSCR?

DSCR loans have higher fees than traditional mortgages. These can include a higher origination fee, prepayment penalty and  points.. The total cost of the loan also tends to be higher because the maximum LTV ratio is usually 80%. Many of the expenses under a DSCR Loan are as follows:

Origination Fee

A percentage of the total loan amount, that is charged by the lender. This fee typically ranges from 0.5% to 5.0%. Some loan products or credit lines may charge lower origination fees or waive the fees during a promotion.

Appraisal Fee

An appraisal fee, which the appraiser charges, is required to assess the property’s value. This fee typically ranges from $300 to $1000.  The appraisals today are ordered by the lender but through a 3rd party so that there is no collusion with the actual appraiser conducting the appraisal.

Mortgage Rate

Mortgage rates for DSCR loan products are typically 1% to 2% higher than rates for typical investment properties. If there is no lease on the property and the estimated rental income is based on an appraisal report, the interest rate may be higher.

Closing Expenses

Lender origination fees, title costs, appraisal cost and escrow fees are part of the closing costs for DSCR loans.

Other Fees

Additional fees, such as title insurance and escrow fees, are also standard and vary based on the state where the property is located. These fees are typically paid at closing.

What is a SOFR 6-month DSCR loan?

The 6 Month SOFR DSCR Loan is a loan that uses the Secured Overnight Financing Rate (SOFR) as its interest rate. The SOFR is the rate at which large depository institutions lend to each other overnight.

The SOFR is a daily reference rate that the New York Federal Reserve publishes. The interest rate on the loan will be reset every six months, and the loan will be due in full at the end of the loan. The borrower will be required to make monthly payments during the loan term, and the payments will be applied to the loan’s outstanding balance. At the end of the loan term, the borrower will be responsible for paying off the remaining balance of the loan. These loans are ideal for borrowers who need a short-term loan and who are comfortable with variable interest rates.

A loan has a maximum maturity of 5 years and a maximum loan-to-value ratio of 75%.To be eligible for the 6 Month SOFR DSCR Loan, borrowers must have a minimum debt service coverage ratio (DSCR) of 1.25x, based on the credit line..lender.

DSCR Loans for Foreign Nationals

Available to foreign nationals who want to purchase property in the United States. There are a few things that make these loans different from regular investment property loans.

First, the maximum loan-to-value (LTV) ratio is usually 80%. This means that you’ll need a down payment of at least 20% if you want to finance a property with a DSCR mortgage.

Second, these loans often have higher interest rates and fees than regular investment property loans.

Finally, you’ll need to provide proof of income from your rental property in order to qualify for a DSCR loan. Get A Rate Quote HERE!  


Frequently Asked Questions

Are DSCR Loans Expensive?

DSCR loans aren’t the cheapest option on the market. They 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 property that will be used as a temporary or permanent residence as long as you can show that it will generate a positive cash flow.

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.

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.

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?

Pros:
• 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
Cons:
• 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.

Areas where we are lending our DSCR loans?

Is a DSCR loan interest only?

No, DSCR loans are not interest-only. While some lenders may offer an interest-only option for certain borrowers, most DSCR loans require principal and interest payments throughout the loan term. With a DSCR loan, you’ll need to make regular monthly payments that include both principal and interest.

Additionally, you must also show that your rental income is enough to cover the loan payments. This is why it’s important to evaluate your rental income and expenses before applying for a DSCR loan. You’ll need to ensure that the rent you’re receiving covers your monthly mortgage payments in order to qualify for the loan.

Can an LLC get a DSCR loan?

Yes, LLCs can get a DSCR loan. LLCs are eligible for DSCR loans since they have the same status as an individual borrower when applying for a loan. The eligibility criteria and requirements may be slightly different than those of an individual borrower, but lenders will generally consider them in the same manner.

To qualify for a DSCR loan, LLCs must demonstrate that they can make their mortgage payments with rental income. As such, LLCs need to provide proof of rental income and expenses from their properties in order to qualify for a DSCR loan.

Does a DSCR loan show up on the credit report?

No, a DSCR loan does not show up on your credit report.

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.

Example:
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.

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.

Do you need a downpayment on the DSCR loan?

Yes, most lenders require a down payment for DSCR loans. Typically, lenders will require a 20-25% down payment on DSCR loans. This is because DSCR loans are considered riskier than conventional mortgages, and lenders want to ensure that the borrower has enough equity in their property to cover any potential losses in case of default.

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.

Are DSCR loans good?

Yes, DSCR loans can be a great way for investors to finance their real estate investments. These types of loans are typically less risky than conventional mortgages and require lower down payments. Additionally, lenders focus more on the rental income associated with the property rather than just the borrower’s credit score when determining whether or not they qualify for a loan.

As such, investors may be more likely to qualify for a DSCR loan than a conventional mortgage. However, it is still important to make sure that the property can generate enough income to cover its debt payments, so investors should always do their due diligence before applying for one of these loans.

Overall, DSCR loans can be beneficial for investors looking to finance their real estate investments. By understanding the debt service coverage ratio and making sure that the property can generate enough rental income to cover its debt payments, investors can feel comfortable knowing that their loan is a smart investment decision.
With this in mind, DSCR loans are certainly worth considering for potential real estate investments.

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.

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.

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