Investment Property (DSCR)

Qualify with your property's cash flow, not your income

Our DSCR loans empower real estate investors to scale their portfolios by focusing on what matters most: the property's income-generating potential.

Investment Property
80%
Max LTV

Our DSCR Loan Portfolio

Designed for every type of real estate investor.

Standard DSCR

The flexible solution for 1-4 unit properties, including condos and ADUs. Ideal for both long-term and short-term rentals (Airbnb/VRBO), with LTVs up to 80%.

Property Type1-4 Units
Max LTVUp to 80%
Min DSCR≥ 0.75
Loan Amount$100K - $2.5M
Credit ScoreFICO 680+
Get Started

Large Property DSCR

Tailored for experienced investors acquiring 5-8 unit residential or mixed-use properties. Designed to support the expansion of more substantial portfolios.

Property Type5-8 Units / Mixed-Use
Max LTV75% Purchase / 60% Cash-Out
Min DSCR≥ 1.00
Loan Amount$350K - $3M
Get Started

Foreign National DSCR

A dedicated program for international investors. We welcome foreign capital and offer a streamlined process to help you invest in the U.S. real estate market, with or without a FICO score.

Max LTV75% Purchase / 65% Cash-Out
Min DSCR≥ 0.75
Loan Amount$150K - $1.5M
Credit ScoreFICO 680 or No FICO
Get Started

What is DSCR?

Debt Service Coverage Ratio (DSCR) is a measure of the cash flow available to pay current debt obligations. Instead of focusing on your personal income, we evaluate the property's ability to generate enough rental income to cover the mortgage payments.

DSCR Formula:
DSCR = Monthly Rental Income ÷ Monthly Debt Payment
1.0
Break-even
Rental income equals debt payment
0.75
Matrix Minimum
Rental income covers 75% of debt payment
1.25
Strong Cash Flow
25% cushion above debt payment

Key Benefits

Liberate Your Finances

Bypass personal income verification. Ideal for self-employed individuals.

Scale Your Portfolio

Without DTI constraints, acquire multiple properties faster.

Streamlined Documentation

No tax returns or pay stubs required. Focus on property cash flow.

Ready to Scale Your Portfolio?

Get pre-qualified in minutes with no impact to your credit score.