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.

See what our clients say about us

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.

Quick process & great rates

Truss Financial Group did a great job handling our refi process. Gathering documents was easy and fast, which led to a quick decision. Marcus kept us updated and if challenged he found ways to manage things. We got a great rate and are using them again for our investment property.

Tyrone S.

Seamless refinancing process

Needed to refinance an inherited rental property out of state. We were concerned about proving income and revenue and Marshall was incredibly helpful through every stage. He made this a seamless process and we were funded in 30 days. They made this a very low stress process.

Ed B.

Reliable investment property lender

Great service! I have several loans with Truss for my investment properties. Trust me, they will take care of you!

Lisa R.

Last hope for investment property

Working with Chris made my loan process easy because he always answered my questions. I told him he was my last hope to get a loan for an investment property. It was challenging but he was able to help me.

Nubia O.

Extraordinary DSCR loan support

The Truss team is the best and their customer/client care is extraordinary. They helped me with my DSCR loan and went above and beyond to get me to the finish line. I would give them 10 stars if I could.

Michael A.

Quick DSCR cash-out refinance

Truss helped us to do a DSCR cash out refi for our investment property. They are professional and super friendly. They offered the best rate and we were able to get funded within a month.

Leo M.

First-time investment property success

David went above and beyond during my loan process. He checked in with me almost daily. He made it possible for me to get a first-time investment home loan despite my odd financials through owning a small business.

William T.

Solution when other lenders failed

After two other lenders could not help, I tried Truss. The issue was properties with equity but strict stipulations for owning under an LLC. Paul found a solution and we got the ball rolling. Started mid-February and closed mid-April.

Lending Hands P.