DSCR Mortgage

Business purpose DSCR mortgage

Qualify with Confidence: The DSCR program is designed for real estate investors, allowing qualification based on the cash flow of rental properties.

DSCR Mortgages: Get Approved with Rental Income

With a DSCR mortgage, you can secure financing based on your property’s actual income and expenses. Unlike traditional mortgages that mainly consider your credit score and personal income, DSCR mortgages focus on the property’s cash flow to determine your ability to repay the loan. Perfect for short-term and long-term rental investments.

Loan amounts up to $2.5Million
Cash out refinance up to $2 Million
Qualify using subject property rental income
Short & long term rentals are eligible
No income check required to qualify
Negative DSCR are eligible
Minimum 640 FICO credit score to qualify
Maximum 80% loan to value (LTV)

Download Program PDF

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I would highly recommend Sara Walker and HomeXpress. Sara was extremely knowledgeable and took the time to answer any questions I had. She followed up constantly to make sure that the loan would go through smoothly.

– Michael H.

DSCR Rental Investment Mortgage

Short and Long term rental properties are eligible
Direct business purpose mortgage experts
No income check required
Qualify with positive or negative rental income
Up to 80% СLTV purchase transactions
Max cash out up to $2million, CLTV <55%
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DSCR Mortgage FAQs

Xpress Direct DSCR Solutions

Purchase or refinance your short or long-term rental with ease. Our straightforward process utilizes DSCR mortgages, allowing you to secure financing based on your property’s actual income and expenses.

What is a DSCR mortgage?

A DSCR (Debt Service Coverage Ratio) Mortgage primarily evaluates the subject property projected or actual rental income as a qualifying factor, rather than a borrowers personal income and debt.

What are the rates for a DSCR Mortgage?

The DSCR Mortgage program streamlines the application process by not requiring traditional income verification documents like W-2 forms, tax returns, or pay stubs. Instead, it focuses on the rental income of the property.