DSCR financing for properties up to 8 units.

A Debt Service Coverage Ratio (DSCR) loan is a mortgage product designed for real estate investors. Instead of qualifying based on your personal income, tax returns, or W-2s, you qualify based on the property's rental income compared to its monthly debt payment. If the property generates enough rent to cover the mortgage, you qualify.

1-4 unit DSCR loans cover single-family rentals, duplexes, triplexes, and fourplexes — these are still considered residential. 5-8 unit DSCR loans fall under multi-family commercial financing with slightly different requirements: typically a higher minimum credit score (720), 75% max LTV, and qualification based on Net Operating Income (NOI) rather than a simple DSCR ratio.

For DSCR 1-4 unit loans, the minimum credit score is typically 660. For DSCR 5-8 unit multi-family loans, the minimum is 720. Higher credit scores qualify for better rates and higher LTV options.

Both 1-4 unit and 5-8 unit DSCR programs offer loan amounts up to $3,000,000. Larger loans may be available on a case-by-case basis depending on the property, borrower profile, and market.

For 1-4 unit DSCR loans, max LTV is based on the property's DSCR ratio and your credit profile, typically up to 80% for purchases. For 5-8 unit multi-family DSCR loans, the maximum LTV is 75%.

Yes. We accept both long-term and short-term rentals, including Airbnb, VRBO, and other vacation rental properties. There are no rental history restrictions, projected rental income is accepted, and seasonal rentals qualify.

Yes. DSCR loans are business-purpose loans, so you can hold title in your personal name, an LLC, a corporation, or other business entity. Most investors choose to vest in an LLC for liability protection.

For 1-4 unit DSCR purchases, down payments typically start at 20-25%. For 5-8 unit multi-family DSCR loans, the minimum down payment is 25% (75% max LTV). Cash-out refinances are also available with no minimum cash-out limit.

No. DSCR loans have no limit on the number of properties you can own or finance. This makes them ideal for investors looking to scale their portfolios beyond conventional financing limits.

Reserve requirements vary by program. For purchases, typically 6 months of PITI reserves are required. For cash-out refinances, reserve requirements may be waived. Multi-family 5-8 unit loans generally require slightly higher reserves due to the larger loan size.

Yes. Interest-only payment options are available on both 1-4 unit and 5-8 unit DSCR programs. Interest-only periods are typically 5 or 10 years, after which the loan converts to fully amortizing. This is a popular strategy for maximizing cash flow during the early years of ownership.

No. One of the biggest advantages of DSCR loans is that no personal income verification is required, meaning no tax returns, no W-2s, and no pay stubs. We qualify you based on the property's cash flow, not your personal income.