Maximize Your Investment with DSCR Loans

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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.

Loan Benefits

Income-Based Qualification

Qualify based on your property's cash flow rather than personal income, making it easier to secure financing.

Flexible Terms

Choose from a variety of loan terms to fit your investment strategy and financial goals.

Quick Approval

Our streamlined process ensures fast approvals, allowing you to take advantage of investment opportunities promptly.

Eligibility Requirements

No minimum DSCR ratio
Good credit score (specific score requirements vary)
Proof of property income and expenses
Sufficient assets to cover down payment and closing costs
No significant recent financial issues (e.g., bankruptcies, foreclosures)
Compliance with lender-specific property criteria
Support for 1-12 Unit Properties

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Frequently asked questions

How is the DSCR calculated?

The DSCR is calculated by dividing the property's annual net operating income by its annual mortgage debt service.

Can I use a DSCR Loan to refinance an existing rental property?

Yes, DSCR Loans can be used for both purchasing new rental properties and refinancing existing ones.

What is the minimum DSCR required to qualify?

A minimum DSCR of 1.2 is typically required, but this may vary based on the lender's criteria.

What documentation is needed for a DSCR Loan?

You'll need to provide proof of the property's income and expenses, such as rent rolls and operating statements.

Are there any restrictions on property types for DSCR Loans?

DSCR Loans are typically available for various property types, including single-family homes, multifamily properties, and commercial real estate.

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We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

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.

Robert F.

San Tan Valley, AZ, Software Engineer

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.

Berj F.

Concord, CA, Business Owner

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Howard L.

CA, Real Estate Investor

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.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

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.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

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.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual