DSCR Loans
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DSCR Loans
Qualify by Cash Flow, Not Paychecks Invest Smarter with DSCR Financing
For real estate investors who want to expand their portfolio without showing W-2s or tax returns, a DSCR Loan lets you qualify based on a property’s income. At Lowcostmortgage, we help you tap into this powerful, flexible strategy — if your property’s cash flow can carry the loan, you may be eligible.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) Loan is a type of non-traditional mortgage structured for real estate investors. Instead of evaluating your personal income, lenders look at whether the property’s rental income can cover the principal, interest, taxes, and insurance.
In short: DSCR = Net Operating Income (NOI) ÷ Debt Service. If your property’s cash flow exceeds what’s owed, you may qualify.
Why Choose a DSCR Loan with Lowcostmortgage?
No Need for Personal Income Docs
Skip W-2s, pay stubs, or detailed tax returns. Your property’s revenue is your qualifying tool.
Built for Investors
Ideal for rental property acquisitions, refinances, or portfolio growth.
Flexible Use Across Property Types
Single-family rentals, multi-units, short-term rentals — as long as they generate income.
Simplified Underwriting
Lenders focus more on cash flow metrics than personal documentation.
Portfolio Expansion Friendly
You can leverage multiple DSCR loans to grow your real estate holdings.
Competitive Returns for Lenders
Because risk is tied to income-producing property, rates and structures are set to balance opportunity and security.
Is a DSCR Loan Right for You?
A DSCR loan may be ideal if you:
Are a real estate investor with rental properties or plans to acquire them
Have properties with stable or predictable cash flow
Don’t want to rely on personal income documentation
Want to grow your real estate portfolio with more flexible financing
It may not be ideal if:
You are buying a home to live in (i.e. not an investment)
Your property’s income is inconsistent or low
You prefer lower interest rates and less down payment risk
How the DSCR Loan Process Works with Lowcostmortgage
Initial Evaluation & Pre-Qualification
We estimate the property’s projected rental income and expenses to assess if it meets DSCR thresholds.
Property & Financial Analysis
Submit property income statements, rent schedules, expenses, and any prior occupancy data.
Cash Flow Underwriting
We run analyses: calculate NOI, projected debt service, and see if the DSCR is acceptable.
Offer & Terms Presentation
We present terms (interest rate, loan amount, LTV, fees) based on the property performance.
Closing & Funding
Finalize documentation, disburse funds, and structure the loan.
Servicing & Ongoing Compliance
Monitor property income & expenses; you make regular payments, and optionally refinance or scale later.
Watch How We Make Homeownership Simple & Stress-Free
From securing the right mortgage to finding the best loan options, we’re here to guide you every step of the way. Our short video explains how we help first-time buyers, families, and investors achieve their financial goals with competitive rates, flexible terms, and personalized support.
