Turbocharge Your Real Estate Portfolio with DSCR Loans
Unlimited Funding as Long as Your Property’s Market Rent Covers the Expenses.
How DSCR Loans Help Grow Your Real Estate Portfolio
Curious If Your Property Is A Good Fit for A DSCR Loan?
Use our AI powered aiPropNvest tool to make smarter investments. Enter any US property, and it will find the best loan option to help you earn more and reach your goals.
DSCR Loan Approval Process
01
Submit Your Loan
Share basic details about the property and your goals.
02
Property Evaluation
We focus on the property's cash flow to ensure it meets the 1:1 DSCR requirement.
03
Loan Approval & Closing
Once approved, we’ll guide you through closing quickly and efficiently.
Key Features of DSCR Loans
1
Easy Qualification
DSCR loans don’t require personal income or credit evaluations. Approval is based solely on the property’s ability to generate enough income to cover its expenses.
2
Flexible Loan Terms
With fixed interest rates and terms up to 40 years, DSCR loans offer stability and predictable payments for long-term investments.
3
Unlimited Growth Potential
Scale your real estate portfolio without limits, as long as the property’s market rent covers the mortgage, taxes, and insurance.
4
Perfect for Investors
Ideal for tax-savvy investors, self-employed individuals, and those with high debt ratios looking to expand their holdings.
DSCR Loans
DSCR loans are ideal for long-term property investors looking for scalable, predictable financing. Unlike traditional loans, they focus on the property’s income rather than your personal financials, making them perfect for self-employed or tax-savvy investors.
Advantages:
Long-term fixed rates (30–40 years)
No personal income validation required
Unlimited portfolio growth potential
Best For:
Investors looking to scale with stable cash flow.
Investment Loan Options
Short-Term Lease Loans
Designed for vacation or short-term rental properties, these loans evaluate seasonal income potential. While they offer flexibility, they often come with variable terms and higher requirements for market income documentation.
Comparison to DSCR:
Unlike DSCR loans, Short-Term Lease Loans require proof of market demand and are less predictable due to fluctuating rental income.
Best For:
Airbnb or vacation rental investors targeting seasonal income streams.
Fix-and-Flip Loans
Fix-and-Flip loans provide short-term financing for renovating and reselling properties. They are based on the after-repair value (ARV) and are best suited for fast turnaround projects.
Comparison to DSCR:
While Fix-and-Flip loans are quick to fund, they come with shorter terms (12 months) and higher rates, unlike DSCR loans, which provide long-term stability.
Best For:
Hands-on investors aiming to profit from quick property sales.
Loan Comparison
Choose the financing option that’s right for your investment strategy.
Best for long-term property investors.
DSCR
Loan
Property-based approval, not personal income.
Fixed interest rates for 30–40 years.
Scalable, unlimited growth potential.
Minimal documentation required.
Stable, predictable monthly payments.
Best for vacation rental properties
Short-Term Lease Loan
Approval based on seasonal income potential.
Terms vary depending on income consistency.
Moderate interest rates, flexible repayment
Requires proof of market demand and income projections.
Best for short-term project investors.
Fix-and-Flip Loan
Approval based on after-repair value (ARV).
Short terms (12 months)
Higher interest rates, but quick funding.
Ideal for property renovations and resale.
Ready to Maximize Your Investments?
Try the aiPropNvest Tool for Free.
Harness the power of AI with the aiPropNvest tool. Simply input any US residential property into our system, and it will analyze key data to provide a detailed estimate of the best loan option to maximize your returns and align with your investment goals.