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DSCR Loans for High Leverage and Faster Closings

Our Debt Service Coverage Ratio (DSCR) loans are designed to help investors maximize their returns, with loans that close in as little as three weeks. Experience the power of lower interest rates, better flexibility, and no credit reporting that could negatively impact your DTI/DTU.

Invest in the future of your real estate portfolio with a flexible and versatile DSCR loan. Our DSCR loan is the best choice for financing your real estate investment properties. We understand that what works for other investors may not work for you, and we want to give you the freedom to explore all the possibilities. That's why we've created a flexible financing solution that encapsulates the features of DSCR loans, rental mortgage loans, asset-based mortgage loans, non-QM loans, no-doc loans, cash flow loans, and bank statement loans.

Our Unique DSCR Loan Offerings

Our DSCR Loan Terms

Unlock tailored financing solutions for your 1-4 unit residential properties. Our transparent and flexible terms cater to your needs with underwriting based on your property's cash flow, not your personal income.

DSCR Overview

Project TypeSingle Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
Loan Amount$75,000 - $3,000,000
Loan To Value (LTV)Up to 80%
Rent Coverage Ratio1.0x (No DSCR Available)
Loan Term5/30, 7/30, 10/30, Fixed 30/30
Interest RateStarting at 7.25%+
Rehab FinancingNot Available
Proceed UsagePurchase, Refinance, Cashout
Those Who QualifyUS Citizens, Foreign Nationals, Permanent Resident Alien
Minimum Credit Score650
Pre-Payment PenaltyOptions of: None, 1.0.0 or 3.0.0, 3.2.1 or

Seamless DSCR Financing Starts Here

Experience ease, simplicity, and transparency in your real estate investment properties through Express Capital Financing's DSCR Loan program. Our application process, from initial consultation to final funding, is meticulously tailored for straightforward success. Navigate the complexities of managing rental properties with confidence, backed by our streamlined financing solutions.

Discuss Your Deal and Goals

Connect with your dedicated loan officer to discuss your unique project and financial objectives.

Customized Loan Quote

We’ll prepare a personalized loan quote, crafted specifically for your project, so it aligns perfectly with your goals.

Document Collection and Review

Our streamlined process involves collecting and reviewing the necessary documentation, making the paperwork hassle-free for you.

You’ve Secured Funding

It’s time to get excited about your project becoming a reality with Express Capital Financing.

Apply Now

Apply Now(SA)

Why Choose Express Capital Financing For Your Next Rental Property?

Discover unparalleled flexibility with Express Capital Financing's DSCR Loans. We prioritize your property's cash flow, not your personal income, offering unique solutions for investors with varying credit scores, property types, or unconventional financial situations. Each loan is individually assessed, delivering personalized structures that align with your specific needs.

Quick Funding

Get fast, reliable financing to seize opportunities with unmatched speed.

Maximum Leverage

Maximize your real estate portfolio effortlessly with higher leverage.

Unmatched Flexibility

Enjoy tailored loans that flexibly adapt to your needs and goals.

Try Our DSCR Calculator

Ideal for those seeking steady monthly cash flow, our DSCR calculator caters to diverse asset types—be it residential or commercial. Whether you're acquiring properties for rental income or exploring BRRR opportunities, this calculator delivers key insights like monthly and annual payments, down payment, estimated closing cost, cash to close, cash flow, and cash on cash return.

DSCR Loan Success Stories

Explore firsthand accounts, success stories, and testimonials that showcase the effectiveness of our DSCR loans. Our customers have experienced the power of our investor-friendly terms, efficient funding, and unwavering support, resulting in successful and profitable rental property investments.


Debt Service Coverage Ratio (DSCR) loans cater to real estate investors by evaluating rental income instead of traditional income verification.

To qualify for a DSCR loan, your property must generate enough rental income to offset the mortgage payment plus other expenses associated with the investment property.

Applying for a Debt Service Coverage Ratio (DSCR) loan with Express Capital Financing is simple. Begin by discussing your project and goals with your dedicated loan officer. We'll provide a personalized loan quote tailored to your project and financial objectives. Our streamlined process involves hassle-free document collection and review. Once completed, you've successfully secured funding!

DSCR Loan stands for debt-service coverage ratio loan. The debt-service coverage ratio (DSCR) itself is the measure of cash-flow versus debt. For a real estate investor this would be rent vs. property value, for example. The DSCR is used by lenders to work out whether the investor will make enough money from rental income to pay back the loan.

A DSCR Mortgage loan is a nonqualified mortgage (Non-QM) that takes your rental property’s cash flow into account instead of your personal income. This means you can qualify for a loan to buy the property based on the income you’re likely to earn from it. While a regular mortgage will need evidence like payslips and bank statements to prove your income, DSCR mortgage lenders will look at the debt-service coverage ratio of your property instead. By evaluating how much rental income you’re likely to make, they can check how likely it is that you’d be able to meet repayment using this alone.

Because DSCR loans are non-qualified mortgages (Non-QM), only banks with specialist commercial real estate financing departments can offer DSCR loans. Private lending is the most common route for most investors looking for a DSCR loan.

The main way to get a DSCR loan is to use private lenders like Express Capital Financing. Your mortgage broker may be able to recommend other sources, such as specialist banks with commercial lending departments.

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