Loan Programs

A Debt Service Coverage Ratio (DSCR) loan represents a specialized financing avenue tailored for real estate investments, particularly for properties intended for rental income generation. Unlike conventional mortgages that heavily scrutinize a borrower's personal financial standing, DSCR loans fall under the category of non-qualified mortgages (Non-QM loans). This distinction means that the primary focus for loan approval shifts away from an individual's income and towards the income-producing capability of the property being financed. This fundamental difference makes DSCR loans particularly appealing to investors who might not have traditional employment or whose personal income might not fully reflect their financial strength due to factors like business deductions or self-employment. By evaluating the asset's performance directly, these loans unlock financing opportunities for a broader spectrum of investor