March 4, 2025
If you’ve been wanting to get your investment real estate portfolio started and just aren’t sure where to begin, this article is for you.
My team has an excellent solution for this very situation.
It’s called a Debt Service Coverage Ratio loan, or DSCR for short.
This could be the key to kickstarting your investment dreams, and I’m here to guide you through it.
About DSCR Loans
The DSCR or Debt Service Coverage Ratio loan is designed to allow borrowers to qualify using cash-flow from the investment property.
These are not new, but investors have grown more comfortable with them as these projects have shown great performance over time!
I know a ton of successful investment property owners who love this!
We do an appraisal and request an analysis of the actual market rent in that area.
If available, we can use previous rent rolls. This will help us establish the project’s cash flow.
We can give you credit for that income when assessing your ability to repay. It’s a great way to tackle your first investment deal.
Key Features
The DSCR Home Loan Program is designed to allow borrowers to qualify using cash flow from investment property.
Here are the top 3 key features:
- 20% minimum down payment
- 660 minimum credit score
- $2,500,000 loan limit
More features and benefits:
- Ability to vest in the name of an LLC or corporation
- No borrower income or employment information required
- Cash-out solutions to unlock equity for future investments
- Debt service coverage ratio must be 0.75 on purchases with LTVs of 70% or less
- Gift funds can be used after the borrower has documented a 10% minimum down payment from their own funds
This program is tailored for flexibility, making it easier for you to step into the world of investment properties without the usual hurdles.
Why Choose Us
We specialize in investment properties.
My team and I are dedicated to helping you navigate the process, from the initial appraisal to securing the loan that fits your goals.
Whether you’re looking to start small or scale up, we’ve got the expertise to make it happen.
Conclusion
Ready to turn your real estate investment ideas into reality?
The DSCR loan could be your perfect starting point.
Call me with any questions regarding your next home loan—I’d love to help you get started on this exciting journey!
Let’s make your side hustle a success together.
Contact Information
To learn more about the Mortgage Investors Group National Affinity Program or to begin the pre-qualification process, please contact:
Adam Buice
Loan Officer | NMLS #1619090 | MIG NMLS #34391 404-416-6380
[email protected]
www.AdamBuice.com