DSCR Loans

A DSCR loan is a type of commercial real estate loan that uses the Debt Service Coverage Ratio (DSCR) as a key criterion for approval. The DSCR measures a property’s ability to generate enough income to cover its debt obligations.

Loan Amount	Up to $3.5 Million
LTV	Up to 70% (based on property type and borrower qualifications).
Terms	30-year fixed or 5/7/10-year ARMs
Interest Rates	Competitive rates starting at 8.5% – 9.9%
Closing Time	Fast closings within 10 to 21 days
Prepayment Penalty	3-year prepayment options available
Property Types	Single-family residences (SFR), Multifamily (2-4 units), Commercial properties, Mixed-use properties
Geographic Coverage	Available in all 50 states

Minimum Credit Score	640
Loan Amount	$300,000 to $3.5 million
LTV (Loan-to-Value)	75% LTV: With a 660 FICO score 80% LTV: With a 700 FICO score
Appraisals	Only 1 appraisal required for loans up to $2 million
No ratio programs	Available for properties that may not meet traditional DSCR standards No Source or Seasoning of Funds Required
Eligible Borrowers	First-time investors and foreign nationals welcome
Property Types	Residential, Multifamily, Commercial, Mixed-use
Geographic Coverage	Available in all 50 states
Flexible Underwriting	Customizable loan structures to fit the unique requirements of each investor.
Fast Approval Process	Quick and efficient loan approval process with decisions typically within 24-48 hours.
Experienced Team	Benefit from our 15 years of expertise in private and hard money lending, ensuring a smooth and successful loan process.
First-Time Investors and Foreign Nationals	Special programs tailored to support new investors and foreign nationals with no US credit history
Flexible Fee Adjustments	Willing to reduce fees to ensure the deal works for all parties.
Dedicated Support	Receive personalized assistance and prompt responses on all deal submissions.
Submit Your Deal	Send over your deal submission for any lending requests
Quick Decision	After running the deal through our portal, we will promptly tell you “yes” or “no.”
Close the Deal	Once approved, we strive to close loans within 10 to 21 days.