DSCR Rental Portfolio Loans
No Tax Return Investment Property Financing Qualify Based on Property Income Only
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What to Expect
DSCR Investment Property Financing at a Glance
Loan Amounts
$75,000 - $50MM+
Competitive Rates
Starting at Market Rates
Maximum LTV
Up to 80% LTV for Strong FICO Scores
Flexible Terms
5/6 ARM, 7/6 ARM, 10/6 ARM, or 30-year Fixed
DSCR Rental Portfolio Loans Basics
What are DSCR Rental Portfolio Loans?
DSCR (Debt Service Coverage Ratio) loans are specialized financing solutions that qualify based on the property's rental income rather than your personal income. This innovative approach allows real estate investors to scale their portfolios without the traditional constraints of tax return-based qualification, making it ideal for both individual properties and larger portfolios.
How do DSCR Loans Work?
These loans use a simple formula: the property's rental income divided by its monthly debt obligations (PITIA - Principal, Interest, Taxes, Insurance, and Association fees). A ratio of 1.0 or higher indicates the property generates sufficient income to cover its expenses. This straightforward qualification method focuses on the property's performance rather than your personal income, making it particularly attractive for investors with multiple properties or complex tax situations.
Benefits of Getting a DSCR Loan Through Joseph Capital Network
Simplified Qualification Process
No tax returns or personal income verification required. Our streamlined process focuses solely on the property's rental income potential, making qualification straightforward and efficient.
Flexible Portfolio Options
Finance single properties or entire portfolios with loan amounts from $75,000 to $50MM+. Multiple property types accepted, including 1-4 units, condos, townhomes, and mixed-use properties.
Customizable Loan Terms
Choose from multiple loan options including 5/6 ARM, 7/6 ARM, 10/6 ARM, or 30-year fixed rate terms. Interest-only options available to help maximize monthly cash flow.
Foreign National and Entity Friendly
Programs available for foreign nationals and U.S. non-permanent residents. Properties can be held in LLCs and corporations, offering flexibility in ownership structure.
Minimum Requirements to Qualify
Our DSCR loan program is designed to make rental property financing accessible while ensuring sustainable investments. Basic requirements include:
- Minimum DSCR of 1.0 (higher ratios may be required based on loan terms)
- Credit score requirements vary by loan size and LTV
- Property must be investment property (non-owner occupied)
- Clear property management plan
- No bankruptcy or foreclosure in last 3 years
Understanding DSCR Loan Requirements
Success with DSCR financing depends on several key factors
Project Viability
The property's potential for value appreciation after improvements
Market Analysis
Local real estate trends and comparable sales
Experience Level
While we welcome first-time flippers with solid plans, experience can qualify you for better terms
If you meet these minimum requirements, you will then need to meet a plethora of additional financing and industry-based requirements that will be based on the size of the loan along with the intended use of the loan.
Ready to discuss your investment property financing needs?
Speak with a DSCR Lending Specialist. Our experts are here to help structure the right solution.
Explore Other Financing Options
Single Family Rental
Long-Term Financing for Your Rental Property Portfolio Flexible Terms with Up to 80% LTV
Learn More
Need assistance?
Connect with one of our financing specialists at (855) 777-1069.