Investment Property
Loan Programs ( DSCR )
Matrix Capital’s DSCR Loan Programs are designed for real estate investors seeking to leverage property income — not personal income — to qualify for financing.
By evaluating a property’s Debt Service Coverage Ratio (DSCR), we provide flexible loan options for both U.S.-based and foreign investors, enabling them to expand portfolios efficiently.
Our DSCR products cover single-family homes, condos, multifamily units, and ADUs, supporting both long-term and short-term rentals (Airbnb/VRBO).
With competitive LTV ratios and flexible prepayment options, these programs empower investors to build sustainable, cash flow–driven portfolios.
Efficient
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Professional
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Flexible
Standard DSCR
Standard DSCR
Loan
Loan Amount: $100,000 – $2,500,000
Loan-to-Value (LTV): Up to 80%
Minimum DSCR: ≥ 0.75
Credit Score: FICO 680+
Eligible Properties: Single-Family (SFR), Condo, 2–4 Units, ADU
Prepayment Penalty: Optional 1–5 Year Term, Up to 5%
Short-Term Rentals Accepted: Airbnb / VRBO, etc.
Reserve Requirement: 3–9 Months PITIA
Large Property
DSCR Loan
Loan Amount: $350,000 – $3,000,000
LTV: Up to 70% for Purchase, Up to 60% for Cash-Out
Minimum DSCR: ≥ 1.00
Credit Score: FICO 700–720
Eligible Properties: 5–8 Unit Residential or Mixed-Use (Commercial Portion <49%)
Reserve Requirement: 6–12 Months PITIA
Investment Experience: Must have owned an investment property for at least 12 months within the past 36 months
Large Property DSCR
Foreign National DSCR
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