DSCR Investment Loan Program - truemortgagebrokers

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DSCR Investment Loan Program

The DSCR Investment Loan Program is

designed for financing rental or investment

properties, focusing on the property’s

income rather than the borrower’s personal

income. It uses the Debt Service Coverage

Ratio (DSCR) to assess if the property’s

earnings can cover the loan payments.

This method is ideal for real estate investors

looking to expand their portfolios or enter the

market without relying on traditional income

qualifications.

Scenarios and Potential Applicants:

Investors expanding their rental property holdings.
Landlords refinancing investment properties for better terms.
Individuals diversifying their portfolios with real estate.
New real estate investors with properties that generate sufficient income.

Requirements:

Positive DSCR, usually over 1.0, showing income can cover payments.
Higher down payment due to investment risk.
Good credit for better rates.
Appraisal to verify property income and value.
Property appraisal to confirm its income potential and value.

The next step is to reach out to us, allowing a professional
to start your prequalification process

IMPORTANT NOTE: This website is for informational purposes only, is not a loan commitment, while it does provide potential loan programs. If you choose to apply for a mortgage loan, and a bank decides to approve your application, your actual loan terms and closing cost may vary, depending upon many different factors/programs, including the loan product for which you may apply and are approved, and when you are approved. All loans must satisfy underwriting guidelines. Interest rates and APR are subject to change without notice. If you decide to apply for a Mortgage Loan, a loan application is required along with your income and assets and a two-year employment history. This is not an offer for extension of credit or a commitment to lend. Gold Coast Financial Corp. is an Equal Housing Opportunity Mortgage Broker Licensed by the Department of Real Estate under the California Residential Mortgage Lending Act. NMLS 2387878 with its main office located at 7847 Florence Ave., Suite 105, Downey, CA 90240.