Welcome to Equitable Lending
DSCR Investment Property Mortgages Made Easy
Debt Service Coverage Ratio (DSCR) Loans for Real Estate Investors
At Equitable Lending, we specialize in offering DSCR loans—a smart financing solution tailored for real estate investors who want to qualify based on property cash flow, not personal income.
What is a DSCR Loan?
A DSCR loan is a type of real estate investment loan that measures a property's ability to cover its debt through rental income. Instead of focusing on your W-2s, tax returns, or personal debt-to-income ratio, lenders assess the Debt Service Coverage Ratio (DSCR) to determine loan eligibility.
DSCR = Gross Rental Income ÷ Debt Obligations
Why Choose a DSCR Loan?
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✅ No Tax Returns or Employment Verification Required
Ideal for self-employed investors or those with complex finances.
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✅ Based on Property Income, Not Personal Debt
Approval is based on the rental income your property produces.
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✅ Close Quickly
Streamlined documentation means faster approvals and closings.
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✅ Expand Your Portfolio
Great for investors looking to acquire multiple properties with less red tape.
Who is it For?
DSCR loans are ideal for:
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Real estate investors (new or seasoned)
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LLCs, corporations, or partnerships investing in rentals
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Buyers of long-term or short-term rental properties (Airbnb, VRBO, etc.)
Basic DSCR Loan Requirements
| Requirement | Typical Guideline |
|---|
| Minimum DSCR | 1.0 (some lenders accept lower) |
| Property Type | 1-4 unit residential rental |
| Credit Score | 620+ (higher for better rates) |
| Down Payment | 20–25% typical |
| Loan Purpose | Purchase, refinance, cash-out refinance |
We even can help with doing DSCR 2nd Position Mortgages!
Let's Talk About Your Investment Goals
Our team at Equitable Lending is here to guide you through the DSCR loan process from start to finish. Whether you're acquiring your first rental or expanding your real estate portfolio, we'll structure the financing that fits your strategy.
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Talk
to
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advisor
: (
877)885-0111