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DSCR Loans

One of the best mortgage loan options for real estate investors.

A DSCR loan is often a great option for real estate investors looking to purchase or those who own long-term rental properties. DSCR (or debt service coverage ratio) is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan. This allows borrowers apply for loans based on your property’s cash flow, not your income. At the same time, this saves borrowers the red tape and hassle of submitting complicated income statements and tax returns. Contact our team today to see if a DSCR loan is the right option for you!

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   DSCR Loan Features

  • Loans up to $2.5 million for purchases or refinances

  • Cash-Out Loan amounts up to $1.5 million

  • Qualification based on property cash flow

  • No personal income or employment information required

  • Rent must cover at least 75% of the monthly mortgage payment

  • Clients must have 6 months of mortgage payments in reserves. Reserves can be held by the borrowers bank account, CD, retirement account, or stock account.

  • Minimum FICO score of 680

  • Maximum Loan-to-Value (LTV) is 80% for purchase or refinance

  • Maximum Cash-Out Refinance is 70%

  • Properties can be single family and multifamily (up to four units)​

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Conventional vs DSCR Loans 

NOTE: It's important to note that the specifics of conventional Non-QM mortgage loans can vary depending on many factors. This chart provides a general overview of the key differences between the two types of loans. Contact us at 503-343-7999 to learn more about the lending solutions we offer!

Other Loans We Offer

Personal Bank Statement Loans

Hard Money Loans:

Hard money (a.k.a. asset-based) loans allow you to use your real estate assets instead of your income to qualify. 

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Bank Statement Loans:

A bank statement loan allows investors to verify their income using bank statements instead of tax returns.

Female Developers

No Income Documentation Loans:

One of the lowest hassle Non-QM loans available to borrowers looking to purchase or refinance.

Ready To Get Started?

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Thank you! Our team will be contacting you

shortly to discuss your lending options!

Contact Us

Lending Office

5335 Meadows Rd, Suite 388, Lake Oswego, OR 97035

Phone

Direct Line: 503-343-7999 

Office Hours

Mon - Fri

9:00 am – 5:00 pm

Email

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