Debt Service Coverage Ratio (DSCR) Loans
A DSCR loan is a type of mortgage primarily used by real estate investors, where Crebrid’s underwriters use the property’s income (not your personal income) to qualify you for the loan.
DSCR loans provide rental property owners the flexibility, speed, and efficiency to close and start earning ASAP.
A DSCR Loan Offers a Customized Mortgage for Your Unique Project
Instead of verifying W2s, tax returns, or pay stubs, we look at the history and potential of the property to verify you can generate enough rental income to meet the loan’s terms.
What Property Types Are Best for DSCR Loans?
1-4 Units
5-10 Units
10+ Units
We Support Real Estate Investors Across the Spectrum of Income Structures and Property Goals
No two lending applications are the same, and we will consider your application for its specific merits. Generally, we’re watching for the following key factors:
1. 640 minimum credit score
2. 20% down payment (25% if first-time investor)
3. Rental income covers at least 75% of the mortgage payment
4. Financing is for one to 10 units, including condos and short-term rentals
Starter and professional investors looking to rent out property to long-term tenants.
Investors looking to maximize revenue through nightly and weekly rentals.
Investors with non-traditional income who want to qualify for financing.
Investors with income from multiple or complex sources who want to simplify their qualification process.
Investors looking to rapidly expand their real estate holdings.
Connect with a Loans Officer
DSCR Loan Program Highlights
Crebrid offers customized, fast, and efficient rental property mortgages, like DSCR loans, based on your unique deal.
From first-time borrowers to experienced investors, our DSCR loans give you the flexibility you need to get your deal done.
DSCR Loan Key Features
- $75,000 – $3 million on single-property loans
- Up to $5 million on portfolio loans
- Up to 80% LTV
- Finance multiple properties under one loan
- Zero- origination point options available
- Preferred interest rates for experienced investors
- Floor rates as low as 5.75%
- Prepay options from 0–5 years (declining prepay structure)
- Condo and non-warrantable condos allowed
- Permanent / non-permanent resident aliens and foreign nationals allowed
- Unlimited cash-out up to 65% LTV
- First-time investors eligible (5% LTV reduction)
- Short-term rentals (e.x. Airbnb) allowed
Rental Loan Terms That Offer Real Choice
From fixed to Adjustable-Rate Mortgage (ARM) terms, we offer 5 different options for you to choose from.
Not sure which is best for you?
Your Loan Officer will help you decide which best fits your unique deal.
A rate guaranteed for 15 years. If you have a balance owing at the end of the term, we will renegotiate your next term.
Connect with a Loan Officer
DSCR Loans FAQs
We use the property’s income, sometimes call projected income, to determine if you will earn enough rent to cover the cost of your rental property mortgage?
DSCR Loan
Resources
Crebrid’s team regularly shares their thoughts on trends and best practices related to DSCR loans and other real estate financing topics.
