DSCR/Rental loan

 

Hal Bradosti

Mortgage Loan Originator
NMLS# 2226225

Call or Text: (703) 843-3969

Email: info@hbradosti.com

Book An Appointment

🏠DSCR Loan – Investment Property Financing Made Simple
 

What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan — also known as a rental property or investment property loan — allows real estate investors to qualify using rental income instead of personal income.
This program is ideal for buyers looking to build or expand their rental portfolio with 1–4 unit residential properties.

💼Who Is Eligible for a DSCR Loan?

DSCR loans are designed for real estate investors who want flexibility and faster approvals.
To qualify, borrowers typically need:

  • Current homeowner status or strong rental history

  • Minimum 20% down payment (25% for short-term rentals / Airbnb)

  • Minimum credit score of 640

  • Cash-out refinance up to 75% LTV

  • Foreign nationals welcome – 35% down, no U.S. credit required

📄Income & Documentation Requirements

The DSCR program focuses on property cash flow, not your job income.

Requirement Details
Income Type Rental income from subject property
Tax Returns / W-2s ❌ Not required
Bank Statements / Paystubs ❌ Not required
PITIA Reserves 3–6 months typically required
Calculation Based on estimated or actual market rent (DSCR ≥ 1.0)
 

🏘️What Type of Properties Qualify?

You can use a DSCR loan to purchase or refinance:

  • Rental homes in your neighborhood

  • Vacation or short-term rental properties

  • Turnkey or rent-ready investment homes

  • Properties titled in an LLC

  • Vacant properties (if market rent can be established)

✅ First-time investors are welcome.
This program is ideal for Buy-and-Hold investors — not for fix-and-flip projects.

💡 Why Choose a DSCR Loan?

Unlike traditional mortgages that rely on personal income, DSCR loans focus on cash-flow performance — making them ideal for investors with multiple properties or complex income structures.

Key Advantages:

  • Fast, streamlined approvals

  • Flexible ownership options (LLC or personal name)

  • No tax returns or income verification

  • Great for scaling a rental portfolio

📞 Ready to Learn More?

Let’s discuss your investment goals and see how a DSCR loan can help.
Contact Hal Bradosti at NEXA Mortgage LLC for details or a custom quote.

📧 info@hbradosti.com
📞 (703) 843-3969

👉 To get started and review your scenario., please fill out the below form or APPLY HERE