Commerical Real Estate Financing
DEBT/EQUITY SOLUTIONS

RENTAL PROPERTY DSCR LOAN
DEBT SERVICE COVERAGE RATIO
NO INCOME REQUIRED

UP TO 80% CASH OUT

Get a quote today

We refinance rental property with DSCR (Debt Service Coverage Ratio Loans. A DSCR loan is underwritten using only the properties cash flow rather than personal income or tax returns. A DSCR Loan for rental property can be used for Purchase, Refinance and Cash Out Refinance and is one of the most popular loans to grow investment real estate portfolios.  A DSCR Loan is  calculated by dividing the monthly rent by the monthly principal and interest payments, taxes, insurance, and association dues (PITIA). ratio is a tool to help lenders understand a borrower’s ability to pay back a loan based on the monthly rental income of the property.

DSCR Loan Property Types

DSCR loans can be used for the following property types:

– Single-family (1-4 unit) residential

– Vacation or short-term rentals

– Commercial or multifamily property

dscr loan calculation


LOAN TYPES

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 FLIP

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

rental loan

CASH OUT REFI

Looking to scale your real estate investment portfolio. Cash-out & refinance into a 30 or 40 year loan.. Closing 30 days!
Use your additional capital as a down payment to your next rehab project.

construction loan

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.
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READY TO GET STARTED

APPLY NOW!

The Debt Service Coverage Ratio: No-Income Mortgage Investment Loan

With a Debt Service Coverage Ratio investment loan you can qualify for an investment loan without using your tax returns. As a real estate investor, you can avoid the lengthy approval processes and strict criteria of bank loans. A debt service coverage ratio loan is a type of no-income loan. Qualify for a loan based on your property’s cash flow, not your income.

Securing a debt service coverage ratio loan can help you expand your investment portfolio easier than ever before.

What Is a Debt Service Coverage Loan?

A DSCR loan is a type of non-QM loan for real estate investors. Lenders use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying income. These are becoming more and more popular with an investment strategy called BRRR (Buy-Rent-Re-finance-Repeat). This is an investment strategy that allows you to grow your passive income and investment property portfolio with minimal cash out of pocket.

What Is a Good DSCR (Debt Service Coverage) Ratio?

Most lenders will require a 1.20 or 1.25 DSCR ratio to qualify for a DSCR mortgage loan. However, CambridgeHomeLoan.com allows real estate investors to qualify for a mortgage loan with a DSCR ratio as low as .75 so that you can qualify with just the cash flow of your property. Interest rates are typically better on DSCR loans with ratios of 1 or above and that a DSCR ratio of less than 1.0 will typically  require 12 months of reserves. You can still get approved for a lower DSCR ratio by choosing a 30 or 40 year interest only loan.



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