DSCR Loans

Secure Investment Property Financing with DSCR Loans Focused on Cash Flow, Not Personal Income

DSCR loans let investors qualify using property cash flow instead of personal income, making financing simpler and more flexible.

Maximize Your Real Estate Potential with Flexible DSCR Loan Programs

DSCR Loans are designed to help real estate investors expand their portfolios by qualifying through rental income rather than personal financial statements. These loans focus on the property’s debt service coverage ratio, ensuring that your investment pays for itself. With flexible options, competitive rates, and simplified requirements, DSCR loans make it easier to secure funding for rental and investment properties while keeping your personal finances separate.

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Empowering Real Estate Investors with Flexible DSCR Loan Solutions

DSCR Loans are ideal for real estate investors who want to qualify for financing based on their property’s rental income rather than their personal income. These loans focus on the property’s ability to generate cash flow to cover debt obligations, making it easier for investors with multiple properties or complex financials to secure funding. With flexible terms and competitive rates, DSCR loans are a smart choice for expanding your investment portfolio.

Understand the DSCR Formula
Aim for a Strong DSCR Ratio
Keep Property Cash Flow Stable
Reduce Operating Expenses
Maintain Good Property Records

Choose the Right Property Type
Compare Lenders’ DSCR Requirements
Consider Larger Down Payments
Monitor Market Trends
Work with an Experienced Advisor

Why Choose Duane

Your Trusted Partner in Home Financing

Expert Guidance

Duane provides professional advice and personalized support throughout your mortgage journey.

Competitive Rates

He ensures you get the best possible rates and flexible loan options to fit your budget.

Transparent Process

From application to closing, every step is clear, simple, and stress-free.

Dedicated Support

Duane is always available to answer questions, offer guidance, and make your homeownership dream a reality.

Flexible Mortgage Solutions

We offer a variety of loan programs tailored to your needs, ensuring a smooth and personalized path to homeownership.

Common Questions

Frequently Ask Questions.

What types of loans do you offer?

We offer conventional, FHA, VA, USDA, construction, commercial, renovation, DSCR, foreign national, and fixed-rate mortgages.

How do I know which loan is right for me?

Our experts review your financial goals and suggest the best loan program tailored to your needs.

What is the minimum credit score required?

It depends on the loan type; conventional loans typically require a higher score, while FHA loans are more flexible.

Can I get pre-approved for a mortgage?

Yes, we provide pre-approval to help you understand your budget and strengthen your offer on a home.

Do you offer assistance with down payments?

Yes, we provide down payment assistance programs to make home buying easier for eligible clients.

How long does the mortgage process take?

Typically, the process takes 30–45 days from application to closing, depending on documentation and loan type.

Are there any hidden fees?

No, we prioritize transparency; all fees and rates are disclosed upfront.

Can first-time homebuyers apply?

Absolutely! We specialize in helping first-time buyers with guidance and flexible loan options.

Do you offer refinancing options?

Yes, we provide refinancing solutions to reduce monthly payments or change loan terms.

How do I get started?

You can start by contacting us for a free consultation, submitting your documents, and getting expert guidance.