· Plan · 06
Real estate investor.
Qualifying on rental income, not yours. DSCR loans built for portfolio builders, with options up to 1–4 units.
What's a DSCR loan and how does it differ from Conventional investment financing?
Conventional investment loans qualify YOU (income, debt-to-income, reserves). DSCR loans qualify the PROPERTY — if the rent covers the payment, you qualify. No personal income docs. Built specifically for investors.
Can I close in an LLC?
Yes — most DSCR lenders prefer or require LLC ownership for liability and asset protection. Setting up an LLC is straightforward; we coordinate with your attorney or CPA on structure.
How many properties can I finance with DSCR?
No hard limit. Conventional caps at 10 financed properties; DSCR doesn't have that constraint. Portfolio builders can stack significant numbers of properties under DSCR programs.
What's the typical down payment?
20–25% typical for purchases. 25–30% for cash-out refis. Some programs go to 30–35% for sub-1.0 DSCR ratios. Higher than Conventional, but that's the trade for not having to qualify on personal income.
Can I cash-out refinance an existing rental to fund new deals?
Yes. Up to 75% LTV typical for cash-out on investment property. Common strategy: pull equity from an appreciated rental to fund the down payment on the next acquisition. We can model the math on whether it pencils.
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