Securing a debt service coverage ratio loan can help you expand your investment portfolio easier than ever before.

A DSCR loan is a type of non-QM loan for real estate investors.

Lenders use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying income. Because real estate investors write off expenses on their properties, some may not qualify for a conventional loan.

The debt service coverage ratio loan allows these individuals to qualify more easily because they don’t require proof of income via tax returns or pay stubs that investors either don’t have or that don’t represent their true income due to write-offs and business deductions.

As a real estate investor, you can avoid high rates and high points of private loans, lengthy approval processes, and strict lending criteria with a debt service coverage ratio loan, which is a type of no-income loan. Qualify for a loan based on your property’s cash flow, not your income.

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