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What You Need to Know About DSCR Loans

The Debt Service Coverage Ratio (DSCR) measures the ability to pay the property’s monthly mortgage payments from the cash generated from renting the property.

DSCR = Monthly Rental Income / PITIA     *The ratio must equal or exceed 1.00

Some of the advantages of DSCR loans include:

  • LTVs up to 80%
  • Loan amounts up to $2.5M
  • Credit scores starting at 680
  • Great program for real estate investors who own multiple properties (no limit)
  • You only qualify the loan against the subject property
    • No other income is calculated
  • Loan can close in borrower’s name, LLC or corporation

This is a great program to discuss with your realtors and builders. Real estate investors typically own multiple properties that could fit this program. Interested in growing your client base? Become a partner today!

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