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DSCR

A debt service coverage ratio mortgage, known as "DSCR Mortgage", is the ratio of operating income available to debt servicing for interest, principal and lease payments. It is a popular benchmark used in the measurement of an individuals ability to produce enough cash to cover it's debt payments. 

  • Just Use Rental Income to Qualify
  • Never show tax returns
  • Purchase or Cash-Out
  • Unlimited Properties
  • Irrevocable Trust
  • Fund Into Corporation or LLC
  • No Pre-Pay Options
  • Long Term Rental
  • Short Term Rental
  • 1-50 Units

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Up to
80%
LTV - Purchase
80%
LTV - Rate & Term
75%
LTV - CASH OUT
40, 10Yr I/0
Year Fixed
IO Options
$150K up to $5M

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What are DSCR Mortgages?


Because a DSCR mortgage quickly identifies a borrower’s ability to repay without requiring income verification, we use it to help real estate investors qualify to buy new properties. Some real estate investors might not be eligible for a standard loan because they deduct expenses from their properties. Or, derrive their income in unuiqe ways.

Real estate investors can qualify for our debt service coverage ratio loan more efficiently since they are not required to provide proof of income in the form of tax returns or pay stubs, which investors either don’t have or don’t accurately reflect their real income due to write-offs and business deduction.

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650-200-2304

Testimonials

"Kristin Howard is genuinely helpful, knowledgeable, and accommodating. She went out of her way to assist us not once but three times now. Home purchase, home equity loan to update and upgrade our home, and refinance. VA loans she’s hands down the best!"
"I had the absolute pleasure of working with Kristin Howard on three separate deals, and I can confidently say that she is an incredible professional. Each time, Kristin made the entire process seamless, stress-free, and efficient. Her attention to detail, clear communication
"I’ve had the pleasure of working with Kristin Howard for the last two years. She has been a substantial asset to My business, No matter the loan size. She is dedicated to her work and Facilitating the process. If One is trying to obtain commercial financing, Residential, Or
"Outstanding Service and Expertise! I had the pleasure of working with Silvia during my home purchase, and I cannot recommend her highly enough. From the very beginning, Silvia demonstrated exceptional professionalism, expertise, and genuine care for my needs. She took the ti
"I worked with Silvia she was very knowledgeable and creative! Outstanding experience and highly recommended."
"Groves Capital is truly the best in the country. Their team is exceptional, providing outstanding service with unmatched professionalism. Highly recommended!"
"Kristin Howard & Travis Welfle were amazing. They were very responsive and diligent. Kristin walked me through the whole process and made the experience less stressful than I had anticipated. Thank you!"
"I have financed multiple properties with these guys, and it's been amazing every time. The process was seamless. And I got the best possible rate. They are incredibly professional and efficient. Highly recommended."
"John Murdock was such a pleasure to work with he went above and beyond to be sure everything was transparent. He made sure we had the knowledge on what to expect through the loan process. he is definitely an asset to your company. Will definitely use him again when needing f
"We felt very supported in our loan and made the process very easy. Thank you to Chris and his team for the excellent communication and support."

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Why Should You Choose Us?

We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

  • Customer Focused
  • Minimal Documentation
  • In-Houses Control
  • Best Loan Services
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