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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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(866) 382-1466

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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(866) 382-1466

Testimonials

"Mike Reeves was absolutely amazing. The best loan officer I could have asked for. He was there every single step of the process and answered all my questions immediately. I would HIGHLY recommend him to anyone looking to purchase! Great attitude, can do it spirit, and very k
"I recently had the pleasure of working with Lance Gebhart on my journey to becoming a first-time homeowner, and I cannot express my gratitude enough for the outstanding service he provided. From the initial stages of the homebuying process to well beyond the closing, Lance
"I had an incredible first experience with Groves Capital. I was thoroughly impressed with Kristin Howard's ability to consider all options to find solutions using her vast knowledge and experience. Despite a few challenges, she always put in the work to find a way forward be
"Very professional and spent the time and effort needed to complete the loan despite many obstacles Kristen Howard NEVER gave up and placed the loan"
"We just bought a house with the help of Chris Mishima! He was our realtor AND our mortgage broker, which are both difficult jobs separately, yet he did them both so well. The odds weren’t always in our favor, and Chris fought hard for us to get the best deal possible. We are
"Ashley was very helpful and was very pleasant to deal with!"
"Kristin was hands down the most dedicated and hard-working loan specialist I have ever witnessed. I have closed over 10 loans in the last 3 years, and Kristin was hands down the most experienced, knowledgeable and dedicated person I have ever seen. I personally had a pair

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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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Whether you’re looking to purchase a new home or refinance your existing home, Groves Capital can provide all the help you need.

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States We Lend In

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Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

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(866) 382-1466