DSCR Loans

Our DSCR loans are built for modern investors who prefer property-driven underwriting instead of traditional income paperwork. With debt service coverage ratio financing, we focus primarily on how the property’s rents support the proposed payment, making these flexible commercial investment loans ideal for self-employed borrowers, partners with multiple entities, and clients who optimize tax returns.

We offer DSCR loan programs nationwide that cover acquisitions, rate-and-term refinances, and cash-out scenarios for both residential investment and commercial assets. Income-based real estate loans are structured using realistic rent assumptions, stress-tested interest rates, and clear coverage targets, so you know exactly what the lender is evaluating. Our team helps you position leases, operating statements, and reserves in a way that supports approval today while giving you room to scale your portfolio over time.