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Our DSCR (Debt Service Coverage Ratio) Investor Loan is built for buyers who prefer to qualify using the property’s rental income rather than personal tax returns. With streamlined approval, flexible investor structures, and a smooth path to closing, it offers an effective way to purchase or refinance investment properties—personally or in an LLC—while keeping your cash ready for the next opportunity.
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The DSCR Investor Loan qualifies you by measuring how well the property’s rental income covers the monthly payment (principal, interest, taxes, insurance, and HOA if applicable). Instead of reviewing tax returns or employment history, the lender uses the appraiser’s rent schedule and existing leases to calculate the DSCR and confirm it meets program guidelines. Once the DSCR, credit score, and basic reserves are in line, underwriting is streamlined so investors can move from approval to closing quickly
Feature | Details |
| Qualification Method | Based primarily on property DSCR and rental income; no income or employment verification required |
| Minimum FICO | 620 (higher scores may qualify for better pricing) |
| DSCR | DSCR as low as 0 considered; credit given for DSCR > 1.25 |
| LTV / CLTV | Up to 80% CLTV on purchases and rate-term; cash-out up to 75% LTV (per guidelines) |
| Property Types | 1–4 unit investment properties, condos, townhomes; short-term rentals considered (per program rules) |
| Loan Purpose | Purchase, rate-term refinance, and cash-out refinance |
| Reserves | Minimum of 3 months reserves; higher reserves may be required based on profile and property count |
| Documentation | 1007 rent schedule, lease agreements, asset statements, standard credit and property docs |
| Closing Time | Typically 3–5 weeks, depending on appraisal timing and file complexity |
BarCorp Financial Group, NMLS #1746897. BarCorp Financial Group is a mortgage broker and does not make commitments or fund loans. Information provided is for general informational purposes only and is not a loan approval, Loan Estimate, or commitment to lend.
All loans are subject to underwriting approval, lender guidelines, and property qualification. Not all applicants will qualify. Product availability, interest rates, and terms are subject to change without notice and may vary by lender and state. Equal Housing Lender.
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