DSCR Loans for Commercial Properties

Commercial DSCR Financing

For commercial property investors who prefer not to document personal income, our DSCR program qualifies you based on the property's ability to generate income.

How Commercial DSCR Works

DSCR (Debt Service Coverage Ratio) measures whether a property generates enough income to cover its debt payments:

DSCR = Net Operating Income ÷ Annual Debt Service

Example Calculation

• Annual Rent: $180,000
• Operating Expenses: $60,000
• NOI: $120,000
• Annual Debt Service: $96,000
• DSCR: $120,000 ÷ $96,000 = 1.25

A DSCR of 1.25 means the property generates 25% more income than needed to cover the mortgage.

Property Types We Finance

Multifamily (5+ Units)

Apartment buildings and complexes with stabilized occupancy.

Office

Professional office buildings with creditworthy tenants.

Retail

Shopping centers, strip malls, and standalone retail with leases in place.

Industrial

Warehouses, flex space, and light industrial with income history.

Mixed-Use

Properties combining residential and commercial uses.

Why Choose DSCR?

• Privacy: Keep your personal financials private
• Speed: Faster underwriting without income verification
• Flexibility: Works for self-employed and complex income situations
• Entity Friendly: Close in your LLC or corporation

Underwriting Focus

Since we're not verifying personal income, we focus heavily on:

1. Property's income stability and lease terms
2. Tenant creditworthiness
3. Market rent comparables
4. Property condition and deferred maintenance
5. Sponsor track record and financial strength