DSCR Loans: The Smart Financing Solution for Real Estate Investors

Are you a real estate investor looking for flexible financing options that don't rely on your personal income? DSCR (Debt Service Coverage Ratio) loans might be the perfect solution for your investment property needs.

What Are DSCR Loans?

DSCR loans are investment property loans that qualify borrowers based on the property's cash flow rather than personal income. The Debt Service Coverage Ratio measures whether the property's net operating income (NOI) can cover its debt obligations, including principal, interest, taxes, and insurance.

Key Benefits of DSCR Loans

• No Personal Income Verification: Perfect for self-employed investors or those with non-traditional income streams

• Faster Approval Process: Streamlined underwriting with fewer documentation requirements

• Portfolio Expansion: Qualify for multiple properties without personal income limitations

• Property Type Flexibility: Works for single-family rentals, multifamily units, and commercial properties

How DSCR Is Calculated

The DSCR formula is simple: Annual Net Operating Income ÷ Annual Debt Service = DSCR

For example, if a property generates $105,000 in annual NOI and has $100,000 in annual debt service, the DSCR is 1.05. A DSCR above 1.0 indicates positive cash flow, while ratios above 1.25 typically qualify for the best rates and terms.

Why Choose Apply With Daly for Your DSCR Loan?

With over 20 years of experience in the mortgage industry, Ryan Daly and the Apply With Daly team understand the unique needs of real estate investors. We specialize in DSCR loans and have helped countless investors expand their portfolios with flexible, property-based financing solutions.

Ready to explore DSCR loan options for your next investment property? Contact us today at 704-491-7902 or apply online to get started. When the banks say no, we find a way!