(720) 306-9593

  • Home
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    • Home
    • APPLY HERE!
    • FHA
    • Conventional
    • VA
    • USDA
    • Jumbo
    • HELOC/HELOAN
    • Reverse Mortgage
    • Self-Employed
    • ITIN
    • Investors
    • Foreign National

(720) 306-9593


  • Home
  • APPLY HERE!
  • FHA
  • Conventional
  • VA
  • USDA
  • Jumbo
  • HELOC/HELOAN
  • Reverse Mortgage
  • Self-Employed
  • ITIN
  • Investors
  • Foreign National

Investor programs

Debt-Service Coverage Ratio (DSCR)

Debt-Service Coverage Ratio (DSCR)

Debt-Service Coverage Ratio (DSCR)

 DSCR loans offer flexible financing for real estate investors. They focus on property cash flow over personal income and are ideal for rental properties and portfolio growth. 

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Debt-Service Coverage Ratio (DSCR)

Debt-Service Coverage Ratio (DSCR)

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Debt-Service Coverage Ratio (DSCR)

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DEBT-SERVICE COVERAGE RATIO (DSCR) details

Summary

 A Debt-Service Coverage Ratio (DSCR) loan program is a flexible financing option designed for real estate investors. It focuses on the cash flow generated by the property rather than the borrower's income. Here's a quick breakdown:

  • Key Focus: The property's income (rents or projected rents) must cover the debt service (loan payments), typically requiring a DSCR of 1.0 or higher.
  • Eligibility: Ideal for investors who prefer to qualify based on property performance rather than personal income or tax returns.
  • Advantages: 
    • Streamlined application process with minimal documentation.
    • It allows for funding of investment properties, including short-term rentals, Airbnb, VRBO, Purchases, Rate and term, or Cash-Out.
    • Often offers competitive rates and terms.
  • Considerations: Some programs may have specific requirements for property types, loan-to-value (LTV) ratios, and minimum DSCR thresholds.

This program is a smart choice for seasoned or first-time real estate investors aiming to grow their portfolios efficiently.

Program Highlights

  • 1-4  Unit Investment Properties
  •  5+ Unit Multi-Family, Mixed Use- Flexible
  • 85% LTV for Purchase and Rate & Term 
  • 75% LTV for Cash-Out 
  • First-Time Investors Allowed 
  • Gift Funds Allowed 
  • Up to $3.5MM Loan Amount 
  • Intrest Only Payment Used to Qualify 
  • Minimal Reserve Requirements - (Ask your Loan Officer for details) 
  • Vacant Properties Allowed Up to 70% on R/T or Cash Out 
  • < 1 Ratio Allowed Up to 70% LTV 
  • 30-year and 40-year Intrest only Options Available 
  • Enhanced Pricing on > 1.25 Ratio 
  • Intrest Only Feature Available to 80% 
  • Short-term rentals, Airbnb, VRBO, Purchase, Rate and Term Refi, Cash Out  

Excel Financial Group, LLC

123 College N. Ave, Suite 230

Fort Collins, CO.  80524

NMLS# 389894


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