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About DSCR Loans

A DSCR (Debt Service Coverage Ratio) loan is a type of financing that is based on the cash flow of a borrower’s business or investment property. The ratio measures the ability of the borrower to meet their debt obligations by comparing the amount of income the property generates to the amount of debt service payments required.

How Does it Work?
Lenders typically use the DSCR ratio to determine whether or not a borrower is eligible for a loan. The higher the DSCR, the more likely it is that the borrower will be able to make their debt payments on time. Most lenders require a minimum DSCR of 1.25, meaning that the property’s net operating income must be 25% higher than its annual debt service.

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Why a DSCR Loan?

Easier qualification: DSCR loans are based on the property’s income rather than the borrower’s credit score or credit history. This makes it easier for borrowers with limited credit to secure financing.

Higher leverage: DSCR loans generally allow for higher levels of leverage than traditional financing options. This means that borrowers may be able to borrow a larger percentage of the property’s value.

Lower risk: Because DSCR loans are secured by the property’s income, they are considered less risky than other types of financing. This can translate to lower interest rates and fees for borrowers.ider all of their options before choosing this type of financing.

DSCR Loan Qualifier!

Cindy Allen

NMLS#

1056591

Mortgage Loan Officer

Schedule a Phone Call With Me

Cell

(972) 999-3293

Cynthia.allen@nexamortgage.com

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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2023 | NEXA Mortgage LLC.
Licensed In: AZ,CA,CO,FL,KS,MO,NM,OH,OK,TX,UT, NMLS # 1056591 | NMLS ID 1660690 | AZMB #0944059
Corporate Address : 3100 W Ray Rd STE 201, Office 209 Chandler, AZ 85226

Cindy Services all of

Arizona, California, Colorado, Florida, Kansas, Missouri, New Mexico, Ohio, Oklahoma, Texas, Utah

Christa Services all of

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
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We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

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DSCR Loans are Available!

Buy the Home You Deserve with DSCR Financing!

Get Your DSCR Loan Quote Now!

Why a DSCR Loan?

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