Invest Smarter with DSCR Loans

Qualify Based on Rental Income,
Not Personal Finances

Pre-Qualify Now

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We Have 24+ Years of Experience

Unlock your Real Estate Potential with DSCR Loans—where Rental Income, not Personal Finances, Pave the way to Investment Success.

Maximize Returns with Minimal Hassle—Let Your Property Work for You!

  • Reasonable Prices
  • Experienced
  • Professional
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Why Choose DSCR Loan Experts?

Your Trusted DSCR Loan Specialists

DSCR loans are specifically designed for real estate investors who prioritize cash flow and property performance over personal income. Here’s why they’re the preferred choice for savvy investors:

Approval is based on your property’s ability to generate rental income, not your personal income or tax returns.

Enjoy the freedom to select loan terms that match your investment strategy, including interest-only options.

Secure financing for single-family homes, multifamily properties, short-term rentals (Airbnb), and more.

Access financing tailored to your needs with terms that help you maximize ROI.

At DSCR Loan Experts, we simplify the process, so you can focus on what matters most—expanding your portfolio and growing your business.

who we are

DSCR Loan Experts | Simplified Financing for Real Estate Investors

At DSCR Loan Experts, we specialize in helping real estate investors secure Debt Service Coverage Ratio (DSCR) loans—a streamlined, no-income-verification financing solution designed for rental property owners, fix-and-flip investors, and multifamily real estate developers.

With a deep understanding of the lending industry and a focus on investor-friendly solutions, we make it simple to grow your portfolio without the hassle of traditional income documentation. Whether you’re an experienced investor or just starting, we’re here to help you achieve your financial goals with unmatched expertise and competitive rates.

Mon – Sat

9:00am – 8:00pm

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Who We Serve

Our DSCR loan programs are ideal for:

  • Real Estate Investors: Build or expand your portfolio with flexible, investor-friendly loans.

  • Buy-and-Hold Investors: Secure long-term financing for rental properties without income documentation.

  • Short-Term Rental Owners: Finance vacation rentals, Airbnb properties, and other short-term rental investments.

  • Multifamily Developers: Get financing for duplexes, triplexes, and larger apartment buildings.

No matter your experience level, our team of experts will guide you through the process and help you find the right solution for your investment goals.

Our Services & products

The Best Way To Find A DSCR Loan

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Standard DSCR Loan

This is the most common type of DSCR loan, where the loan amount is based on the property’s income relative to its debt obligations. Lenders typically require a DSCR of at least 1.25, meaning the property’s income should be 25% higher than the debt payments.

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High-Leverage DSCR Loan

This type of DSCR loan allows for higher leverage, meaning a higher loan-to-value (LTV) ratio, typically up to 80% or more. These loans are often used by experienced investors who want to maximize their purchasing power and can justify the risk with strong property income.

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Interest Only Loan

In this loan type, borrowers only pay the interest on the loan for a set period, usually 5-10 years. This results in lower initial payments, which can be advantageous for cash flow. However, the principal remains unchanged during the interest-only period.

Our Experts are Ready to take your Call

Whether you’re a seasoned investor or just starting, we simplify the process, ensuring you get the best terms possible to maximize your returns.

Trust our experience to make your investment journey smooth and profitable—give us a call today to discover how we can help you achieve your financial goals.

Years in the business

Happy Investors

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Have Questions about DSCR Loans?
Speak with one of our Experts Today!

Testimonials

Your Next Investment Starts Here

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David Hablewitz

David Hablewitz

Kirkland, WA


“I’ve been trusting Sharon with my investment money for years.”

Our Loan Process

Simple, Straightforward, and Investor-Friendly

  • Pre-Qualification
  • Property Evaluation
  • Loan Approval
  • Closing

Our streamlined process ensures you can secure financing without delays, so you never miss a deal.

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Explore DSCR Loan Programs

Ready to grow your real estate portfolio? We offer a range of DSCR loan programs designed to meet the needs of investors:

Single-Family Properties

Finance rental homes with ease.

Multifamily Properties

Expand your holdings with duplexes, triplexes, or apartment buildings.

Short-Term Rentals

Secure financing for Airbnb, VRBO, and other vacation rental investments.

Fix-and-Flip Projects

Access short-term financing for quick renovations and profitable sales.

Ready to secure your DSCR Loan?
Apply now and get Pre-Qualified in Minutes!

Frequently Asked Questions

FAQs About DSCR Loans

Contact us today to speak with a DSCR loan specialist or apply online to get pre-qualified in minutes!

A DSCR loan is a type of real estate financing designed for investors. Approval is based on the Debt Service Coverage Ratio of the property, which measures the property’s cash flow relative to the loan payments.

Most lenders require a minimum credit score of 620, but higher scores may qualify for better rates.

Yes! DSCR loans are an excellent option for financing vacation rentals like Airbnb or VRBO properties.

The Debt Service Coverage Ratio is calculated by dividing the property’s net operating income (NOI) by the total debt payments. A DSCR of 1.0 or higher typically qualifies for financing.