Fast and hassle-free DSCR loans for your investment properties.
Loans based on the property’s monthly cash flow.
Investment loans designed with
you in mind.
No Tax Returns
No tax returns? No problem! We qualify you based on your property’s cash flow.
Flexible Terms
Finance up to 10 investment properties at once when you partner with us.
Lower Monthly Payments
Opt for a 10-year interest-only period to help increase your cash flow.
Program Highlights
Investor Cash Flow Loans (DSCR)
- Close multiple loans for the same investor at the same time
- No limit on the number of properties owned and can finance up to 10 properties for 1 investor
- Non-Warrantable condos and Condotels allowed (up to 75% LTV)
- Rate buydown feature available
1-4 Unit Properties
- Loan amounts up to $1,500,000
- Cash-Out up to $500,000
- Loan-to-Value up to 85% for Purchase
- Loan-to-Value up to 80% for Rate & Term Refinance
- Loan-to-Value up to 75% for Cash-out Refinance
- Minimum FICO: 660
5-10 Unit Properties
- Loan amounts up to $2,000,000
- Cash-Out up to $500,000
- Loan-to-Value up to 75% for Purchase and Rate & Term Refinance
- Loan-to-Value up to 60% for Cash-out Refinance
- Minimum FICO: 700
DSCR Loan Pricing,
Simplified With LendDSCR
Have a question?
We have the answers.
How is a DSCR calculated?
The Debt Service Coverage Ratio (DSCR) is calculated by dividing gross rents by PITIA (Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of over 1.0 means that there is sufficient cash flow to cover the debt service/loan payments. A DSCR under 1.0 means that there is not enough cash flow to cover the debt service.
How is income evaluated in a DSCR loan?
LendSure’s DSCR program focuses on the property cash flow, so no other income documents are required.
How is the rental income verified?
Rental income is verified by the lower of gross rents on the lease agreement OR either the Form 1007 Rent Survey completed by the appraiser, or for multi-unit dwellings, the Form 216 Operating Income Statement.
Other Rental Income Verifications, if they apply, are Property Management Firm Statements and/or Statements from Airbnb and other similar firms.
What if it’s a purchase and it doesn’t have an existing lease or it’s a refinance with un-leased property?
In those two instances, the gross rents indicated on the Form 1007 or Form 216 will be used.
Can we use the Interest Only payment to qualify?
YES – and that can make a huge difference for cash flow, especially with LendSure’s 10-Year Interest-Only period on our 40-Year program.
How can I price my DSCR loan?
With our innovative DSCR loan pricing engine! It’s tailored for investors who focus on property cash flow instead of personal income. You can get pre-qualified quickly, receive product recommendations, and get preliminary quotes on rates.
