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.
|Single Family Residential, Multi-Family (2-4 Units), Condominiums, Townhomes
|$75,000 - $3,000,000
|Loan To Value (LTV)
|Up to 80%
|Rent Coverage Ratio
|1.0x (No DSCR Available)
|5/30, 7/30, 10/30, Fixed 30/30
|Starting at 7.25%+
|Puchase, Refinance, Cashout
|Those Who Qualify
|US Citizens, Foreign Nationals, Permanent Resident Alien
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.
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.
Get fast, reliable financing to seize opportunities with unmatched speed.
Maximize your real estate portfolio effortlessly with higher leverage.
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.
DSCR Loan FAQs
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!