DSCR loans are specifically designed for real estate investors, offering flexible and practical financing options. These loans focus on the income generated by the property rather than the borrower's personal income, providing significant benefits for a variety of borrowers.

Low Documentation Requirements

DSCR loans do not require tax returns or W-2s, making them ideal for self-employed individuals, 1099 contractors, business owners, and investors with alternative income sources.

Investor-Friendly Terms

These loans are tailored for real estate investors, including those purchasing or refinancing investment properties, short term rentals, long term rentals, and commercial properties. The focus on property cash flow rather than personal income simplifies the approval process.

Access to Financing for a Wide Range of Borrowers

DSCR loans open the door to financing for many individuals who might struggle with traditional mortgage qualifications, such as foreign nationals, retirees, and those with significant liquid assets.

Less Credit Score Limitations

DSCR loans can be accessible to borrowers with a range of credit scores, emphasizing the property’s financial performance over the borrower’s credit history.