DSCR Loans
Investment property financing based on the property's cash flow rather than your personal income.
What is a DSCR Loans?
A Debt Service Coverage Ratio (DSCR) loan is a type of non-QM (non-qualified mortgage) loan specifically designed for real estate investors. Instead of looking at your personal income, tax returns, or employment history, lenders qualify you based on the cash flow of the investment property itself.
If the rent generated by the property covers the mortgage payment (including taxes and insurance), the property essentially pays for itself, making it much easier for investors to expand their portfolios without traditional income verification.
Best For Which Buyers?
- Real Estate Investors: Those looking to scale their portfolios quickly.
- Self-Employed Individuals: Investors who have complex tax returns or write off significant expenses.
- Multiple Property Owners: Those who have reached the limit on conventional financed properties.
Key Benefits
- • No personal income or employment verification
- • No limit on the number of properties you can finance
- • Close in an LLC or corporate entity
- • Faster closing process than traditional investment loans
Why Work With Jorge Rosabal?
At South Atlantic Financial Services, we understand that financing your home is a major financial decision. As a local expert serving Miami, the Florida Keys, and South Florida, Jorge Rosabal provides personalized guidance tailored to your unique financial goals.
30+ Years Experience
Over three decades of proven success in the mortgage industry.
Local Expertise
Deep understanding of the Florida real estate market and unique property types.
Competitive Rates
Access to a wide variety of loan programs to find the best rate for your situation.
5-Star Service
A commitment to clear communication and a stress-free closing process.
Fast Approvals
Streamlined processing to get your loan closed quickly and efficiently.
DSCR Loans FAQs
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