Let’s Fund Your Rental Investment!

DSCR

Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.

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UP TO
6.38%
RATES FROM*
80%
LTV
LTARV
14-21
DAY CLOSE
30, 40
I/O OPTION
$250k to $5M

Step 1: Submit Your Deal

DSCR

Why Choose Our DSCR Loans?

DSCR (Debt Service Coverage Ratio) loans provide a streamlined financing solution based on property cash flow rather than personal income. Perfect for experienced investors, these loans simplify the process of accessing capital for acquisitions, refinancing, or portfolio growth. With competitive rates and flexible terms, DSCR loans are ideal for real estate professionals looking for quick, hassle-free funding to support their investment strategies.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Loan Details

Monthly Expenses

Simple Qualifications for DSCR Lending

Are We a Good Fit?

Our DSCR loans are designed to be flexible and accessible for investors focused on building long-term wealth. To qualify, you’ll need:

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Experience

First time investor allowed

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Credit Score

Minimum of 680.

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Liquidity/Reserves

20% Down, 6 Months Reserves

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Property Type

SFR, Condo, Townhome, 1–4 Units

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Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

GET STARTED

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

DSCR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
680
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
14 to 21 Days
Draw Schedule:
N/A
Rate:
6.38%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$250k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement
Number of Units:
1 to 4 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About Kevin

I’m a mortgage and real estate professional with over four decades of experience structuring creative deals across nearly every asset class imaginable—from residential homes and multifamily properties to ranches, office buildings, and even private islands. With 36 years as a licensed Realtor and 40+ years in the mortgage industry, I’ve helped investors navigate complex financing on everything from construction loans to cannabis facilities. My edge comes from deep industry knowledge, integrity, and the ability to find solutions where others see obstacles.

Outside of work, I’ve been married for over 40 years, am a proud father of two daughters and grandfather of five, and the founder of Soaring Over Sixty, a platform dedicated to thriving beyond 60. I’m also an adventure racer, cowboy poet, photographer, and creator of The Just Passing Wind Tour, a musical-comedy show that brought laughter and insight to audiences nationwide.

If you’re looking for a seasoned guide who can unlock financing opportunities and bring genuine energy to every deal—you’re in the right place. Let’s make the complex simple, and turn your vision into reality.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000