DSCR Loans
What Is A DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is a type of real estate financing that allows investors to qualify for a mortgage based on the property's expected rental cash flow rather than their personal income.
Who Are These Loans For?
DSCR Loans are designed specifically for real estate investors who want to purchase or refinance income-producing rental properties without having to verify their personal income or provide tax returns.
How Long Do They Take To Close?
DSCR loans typically close in about 30 to 45 days, though some lenders can close them in as little as two to three weeks. Because the lender doesn't have to verify your personal income, tax returns, or employment history, the process is generally faster than a conventional mortgage and mostly depends on how quickly the property appraisal and title work can be completed.
DSCR
DSCR Loan Criteria
Collateral:
Non-Owner Occupied 1-4 Family Real Estate
Condos Townhomes
Planned Unit Development (PUD)
LTV:
Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Amortization Options:
30-Year Fixed
Hybrid ARMS (5/1, 7/1, 10/1)
Interest-Only Options Available
Property Values:
“As Is” Appraised Value Must Be $115k or Greater (Geographical Restrictions May Apply)
Loan Amount:
$75k – $1.5M
Debt Service Coverage Ratio
1.00
Minimum FICO:
680
Rates:
Starting at 5.00%
Long-Term Rental
Loan Program Typical Leverages & Rates
Transaction Type
Purchase
FICO 740+
Max LTV: Up to 80% of the As-Is Value | Max LTC: Up to 80% Loan-to-Cost
FICO 720 - 739
Max LTV: Up to 80% of the As-Is Value | Max LTC: Up to 80% Loan-to-Cost
FICO 700 - 719
Max LTV: Up to 80% of the As-Is Value | Max LTC: Up to 80% Loan-to-Cost
FICO 680 - 699
Max LTV: Up to 75% of the As-Is Value | Max LTC: Up to 75% Loan-to-Cost
Transaction Type
Rate & Term Refinance
FICO 740+
Max LTV: Up to 80% of the As-Is Value
FICO 720 - 739
Max LTV: Up to 80% of the As-Is Value
FICO 700 - 719
Max LTV: Up to 80% of the As-Is Value
FICO 680 - 699
Max LTV: Up to 75% of the As-Is Value
Transaction Type
Cash-Out Refinance
FICO 740+
Max LTV: Up to 75% of the As-Is Value
FICO 720 - 739
Max LTV: Up to 75% of the As-Is Value
FICO 700 - 719
Max LTV: Up to 75% of the As-Is Value
FICO 680 - 699
Max LTV: Up to 70% of the As-Is Value
Our Process
Your Path to Your Next Loan
#1
Apply Online
Submit a quick, secure application from anywhere.
#2
Connect With Lender
Once your initial application is received, we'll connect you with one of our trusted lenders in our network.
#3
Review & Approval
Our lenders assess your application and approve it promptly if you qualify
#4
Receive Funds
Get your funds quickly and easily. That's it!
FAQS
Frequently Asked Questions
What types of loans do you offer?
We connect you with lenders in our network that issue DSCR rental loans, bridge loans, fix & flip loans, new construction loans, commercial loans, and self employed loans
How do I apply for a loan?
You can apply easily through our secure online application form. Simply provide your details, and our network of trusted lenders will review your application and get back to you with a decision.
What are the loan requirements?
Our lenders require basic personal information, proof of income, and identification. Specific requirements may vary depending on the loan type, but we make the process clear and simple.
How long does it take to get approved?
Approval times vary, but most loans are approved within 24 hours. We aim to process applications quickly and keep you informed throughout the process.
What is the interest rate on your loans?
Interest rates depend on the type of loan and your financial profile. Our lenders strive to offer competitive rates and provide full transparency with no hidden fees.
What is the interest rate range?
Rates depend entirely on the lenders connect you with, your financial situation and the deal itself. We can say that we will connect you with lenders that will provide you competitive rates based on these factors.
Do you lend directly?
No, we connect you with trusted lenders that match your deal and financial profile based on the loan you apply for.
Is my information secure?
Yes! Our platform is SOC 2 compliant. SOC 2 compliance is an auditing standard that verifies a service provider securely manages your data to protect the interests of your organization and the privacy of its clients.
Testimonials
Hear It From Borrowers
My wife and I are small rental investors that have a couple properties and we were looking to build our portfolio this year. Our usual lender was ok but we felt it was time to check other options. We received a couple calls from different lenders for our next property and got great options for financing.
Working with them made getting a loan for our rentals so much easier. We didn't get a million calls and only connected with the lenders that were able to get us funded quickly without doing a bait and switch
They really do what they say they do. The lenders we've worked with made things so simple. Got quick funding for an office building. Thank you!!
Amazing options! Will be coming back for future deals. Also told all of our friends at our REI group in Ft. Lauderdale.
Our flip business is so hectic that it makes it impossible to get cash for our deals without a last minute issue coming up. They sent our last deal to a few lenders that actually could do the deal. Will be coming back!
Finding construction loans that made sense for us was hard because of the costs. As a builder we don't have much margin to borrow at a high cost with the insane costs of materials and labor. We were connected through LoanSeekr and found a couple of suitable options which made our projects much more profitable. Super happy with the experience.
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Committed to providing reliable funding solutions with transparency and care. Our network of lenders is here to support your journey, every step of the way.
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LoanSeekr is a commercial real estate financing marketplace and does not operate as a direct lender or bank. All funding decisions, including approvals, interest rates, loan amounts, and terms, are made exclusively by the third-party lenders and brokers in our network, not by LoanSeekr. We do not guarantee that your loan request will be approved or that you will be matched with a lender. Our service allows you to submit your potential loan requirements to multiple capital sources simultaneously to help you source the best available capital.