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DSCR Loans

Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.

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650-200-2304
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Up to
6.625%
Rates From*
85%
LTV
10-14
Day Close
30, 40yr
I/O Option
$100k up to $3M

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Why Choose Our DSCR Loans?

LiButti Capital’s DSCR (Debt Service Coverage Ratio) loans provide a streamlined financing solution based on property cash flow rather than personal income. Perfect for experienced investors, these loans simplify the process of accessing capital for acquisitions, refinancing, or portfolio growth.
With competitive rates and flexible terms, DSCR loans are ideal for real estate professionals looking for quick, hassle-free funding to support their investment strategies.

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650-200-2304
  • Simple Qualifications for DSCR Lending

Are We a Good Fit?

Our DSCR loans are designed to be flexible and accessible for investors focused on building long-term wealth. To qualify, you’ll need:

Tailored for Real Estate Investors

  • Experience

No prior experience required. First time home buyer allowed.

  • Credit Score

Minimum of 660.

  • Liquidity/Reserves

15% down payment and 3 months of reserves.

  • Property Type

Single-family homes (SFR), condos, townhomes, or 1–8 unit residential properties.

  • Additional Requirements

Non-owner-occupied properties, no seasoning requirement, blanket loan options available, and rural properties accepted.

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DSCR Calculator

Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).

  • Key Loan Terms for Real Estate Investors

DSCR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
15% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.625%
Loan-to-Value LTV:
85% LTV | 1.25x DSCR | 740 FICO
80% LTV | 1x DSCR | 680 FICO
75% LTV | 0x to .99x DSCR | 680 FICO
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$100k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units
Apply Now
650-200-2304

Expert Support for DSCR Lending

  • Effortless Process: Simplify the loan process with clear, straightforward approvals.
  • Quick Funding: Secure your loan within 10–14 days to act on time-sensitive opportunities.
  • Tailored Lending Solutions: Designed for real estate investors with flexible, investor-focused terms.
  • Trusted Expertise: Work with a team that understands the unique challenges and opportunities of real estate investing.
Apply Now
650-200-2304