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DSCR LOANS
Expand Your Investment Portfolio with DSCR Loans
With Luxe Mortgage Partner’s Debt-Service Coverage Ratio loans, real estate investors can qualify for mortgage financing based on the property’s cash flow instead of personal income*. This solution can be perfect for investors looking to streamline financing options and grow their real estate portfolios without the need for traditional income verification.
Program Qualification*:
Minimum DSCR: Rental income must cover a minimum of 75% of the subject property mortgage payment.
Loan-to-Value Ratio: Up to 80% for purchases and refinances.
Minimum FICO: 640+ required.
Loan Purpose: Purchase, refinance, or cash-out refinance..
*Qualification is required. Additional restrictions apply. Program rates, Terms and conditions are subject to change without notice. Reach out to a loan officer for more program information.
Unlock Greater Investment Potential
Enjoy income flexibility with no need for personal income or tax returns, making it easier to grow your investment portfolio. The streamlined process focuses on the property’s rental income for approval, and with versatile options, you can choose from single-family homes, condos, and 2-4 unit properties.
Who Can Benefit from DSCR Loans*?
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Real estate investors purchasing or refinancing rental properties.
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Investors who need alternative income documentation.
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Those seeking to expand their portfolio using rental income.
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Individuals with multiple properties needing simplified financing.
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