Buy Your Investment Property: A Comprehensive Guide for Investors
Reading Time: 3 minutesInvesting in real estate is one of the most powerful ways to build wealth, and buying your first investment property
Unlock financing for rental properties based on cash flow, not personal income, whether you’re purchasing or refinancing.
See If You Qualify
Qualify based on the property's cash flow rather than personal income—no tax returns or DTI calculations required.
Perfect for first-time investors and seasoned landlords alike—no experience needed to qualify.
Enjoy reduced monthly payments with extended loan terms, making it easier to manage cash flow.
Competitive rates designed to keep more cash in your pocket and boost your ROI.
If your details are close to these guidelines, we encourage you to apply or talk to us. Even if a DSCR Loan isn't the right fit, we may have other options that work for you.
Non-owner-occupied properties, including 1-4 family residences, condos, townhomes, and 5+ unit apartment buildings.
Properties should have a DSCR of 1.05 or higher to qualify.
A credit score of 660 or higher is required, depending on the product. Higher scores can help you qualify for larger loan amounts and better terms.
Financing available up to 80% of the property's value.
Planning a BRRRR or value-add strategy? Use our Fix & Flip Calculator to break down costs, project profits, and see if the numbers make sense—before you buy.
Thinking about investing in a rental property? Explore options with our Rental Property Calculator to see how your property's income stacks up.
Common Questions About This Loan — Answered for You
A DSCR (Debt-Service Coverage Ratio) Loan focuses on the property’s cash flow instead of personal income to qualify. It’s a great option for those looking to finance rental properties, as it simplifies the approval process by focusing on how well the property itself can cover the loan payments.
DSCR measures the property’s income against its debt. To calculate it, you simply divide the monthly rental income by the monthly loan payment. For example, if a property brings in $2,000 a month and the loan payment is $1,500, the DSCR would be 1.33—meaning the income covers 133% of the debt.
Curious how your numbers stack up? You can plug them into our Rental Property Calculator to see your DSCR in real time.
Absolutely! DSCR loans are a great fit for expanding your real estate portfolio. You can finance multiple properties, making it easier to build a diverse set of rental properties.
Yes, definitely! Since the approval process is based on the income from the property, it’s a straightforward option for anyone ready to dive into real estate investing.
Our minimum DSCR requirement is 1.05, which means the property should generate at least 105% of the loan’s monthly payments in income. However, if your DSCR is closer to 1.1 or higher, you’ll have access to even better rates and terms, so aiming for a higher DSCR can be beneficial in the long run.
No tax returns required! DSCR loans simplify the process by skipping personal income verification, so you don’t need to submit tax returns. Instead, the loan approval relies on the income potential of the property itself, making it a convenient and efficient option.
Absolutely! After purchasing the property using a Fix and Flip Loan, you can use a DSCR loan to pull cash out of the property and refinance your Fix and Flip Loan into a long-term 30-year mortgage. This gives you the benefit of lower, fixed monthly payments and keeps your investment working for you, allowing you to free up funds for your next project.
Dive deeper into DSCR loans and learn how property cash flow can help you build a successful investment portfolio.
Reading Time: 3 minutesInvesting in real estate is one of the most powerful ways to build wealth, and buying your first investment property
Reading Time: 3 minutesWhy Refinance Your Investment Property? Refinancing is more than just securing a lower interest rate—it’s a strategic move that can
Reading Time: 3 minutesIf you’re a real estate investor—or thinking about becoming one—you’ve probably wondered: *How can I grow my portfolio without relying
