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A DSCR Loan (Debt Service Coverage Ratio Loan) is designed for real estate investors who want to qualify based on the income potential of the property rather than their personal income. This type of loan focuses on the property’s cash flow to cover debt payments, making it an ideal option for investors building rental portfolios. With flexible terms, no employment verification, and faster approvals, DSCR loans provide a simple path to financing investment properties while keeping personal finances separate.
Loan Type: DSCR 2nd Cash-Out Loan
Interest Rate (2nd Loan): 12%
Term: 30-Year Fixed
1st Mortgage Rate: 2.5% (kept in place)
Combined Interest Rate: 6.5%
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