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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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(888) 611-0998

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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(888) 611-0998

Testimonials

"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."
"Josh Settersten is fantastic!! My husband I had the pleasure working with Josh via our first home buying experience, and he made it such an easy process! He was always quick to respond to any of our questions and kept us updated throughout the entire process. We are beyond g
"I worked with Kristin Howard to refi my home and she made the process so easy! She is very knowledgeable and experienced and was able to answer all of my questions. She got me a great rate and saved me a ton of money. I highly recommend Groves Capital for your home loan need
"Desmond, Experience in finding the right solution to getting a home loan was outstanding. His commitment to detail shows that he has his clients best interest at hand. Trust is the most important things when it come to getting a loan and providing personal information. Thank
"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

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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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