why our team loves investor cash flow (DSCR) loans
They’re made for modern real estate investors. DSCR loans simplify the process by focusing on what really matters: cash flow. No job history. No income docs. Just a smart, scalable way to grow your investment portfolio without slowing down.
Investor Cash Flow (DSCR) Loans At A Glance
Investor Cash Flow loans—also known as DSCR (Debt Service Coverage Ratio) loans—are built for real estate investors who want to qualify based on rental income, not personal income.
Highlights
- No Personal Income Info Needed: Qualify based on the property’s cash flow.
- Perfect For Rental Properties: Long-term, short-term, or vacation rentals.
- Fast Closings: Minimal paperwork compared to full-doc investor loans.
- Title In Your LLC or Personal Name: Based on your preference.
- Great For Growing Portfolios: Ideal for serial investors and first-timers alike.
Investor Cash Flow (DSCR) Loan Guidelines
- Down Payment: Often 20%–25%, depending on property type and cash flow.
- DSCR Requirement: Most lenders require a DSCR of 1.0 or higher (rents must cover the payment).
- Income Documentation: None required, property income only.
- Property: Single-family, 2–4 units, condos, short-term rentals, non-warrantable properties.
- Ownership: LLC or personal name allowed, depending on lender.
- Loan Purpose: Purchase, refinance, or cash-out.
Pros of Investor Cash Flow (DSCR) Loans
- Cash Flow-Based Approval: Uses the rental income to determine eligibility, not your personal income or job.
- No Tax Returns Or Employment History: Streamlined approval process—great for self-employed or high-write-off borrowers.
- Works For Short-Term & Long-Term Rentals: Use actual or market rent, including Airbnb/VRBO income.
- Flexible Ownership Structure: Title the property in your personal name or LLC, depending on your investment strategy.
- Ideal for Portfolio Growth: Many programs allow multiple properties, even unlimited financeable homes.
Best for…
Real estate investors building a portfolio
Buyers of long-term or short-term rentals
Self-employed borrowers with limited tax return income
Investors using LLCs or seeking asset separation
Those looking for fast, no-hassle closings
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