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Boost Your Investment Portfolio with DSCR Loans
Flexible, Income-Based Financing Solutions for Smart Real Estate Investors!
- Purchase, refinance, or take cash-out
- We are one of the biggest DSCR lenders
- No tax returns needed
- Just use rental income to qualify
- Credit score as low as 650
- "No Ratio" option w/ 25% in equity
- Fund into a Corporation or LLC
- Unlimited properties, OK
- Fix & Flip, OK
- 1 - 13 units, OK
- Short-term rentals & Airbnb's, OK
Trusted by 1,460 people
What is a DSCR Loan?
Instead of using personal income to qualify, DSCR (Debt Service Coverage Ratio) Loans rely on the property's cash flow. The DSCR is calculated by dividing the property's annual net operating income by its annual mortgage debt service. A higher DSCR indicates a better ability to cover loan payments with rental income.
DSCR Loans are ideal for investors with multiple properties or those looking to expand their real estate portfolio. This loan type provides flexibility and ease of qualification since it focuses on the income generated by the property itself.
- Easy to qualify
- Consolidate debt
- Credit score as low as 650
- Fast approvals
- No tax returns
- Perfect for short-term rentals
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4.6/5 from 130+ reviews
4.9/5 from 30+ reviews
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4.4/5 from 45+ reviews
See what our clients say about our DSCR loans
First-Time Homebuyers' Delight
Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.
Great for Bank Statement Loans
I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.
Personalized Service
"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."
Cash-Out Refinance Made Easy
Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.
Exceptional for Self-Employed
After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.
Innovative Solutions for Self-Employed
Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.
Talk to a DSCR loan expert
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