4860 Cox Rd, Glen Allen, VA 23060, United States
duane@coast2coastml.com
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DSCR Loans

DSCR Loans

Finance Smarter with Cash Flow Power

When you’re an investor, it’s not just about credit scores — it’s about the property’s performance. A Debt Service Coverage Ratio (DSCR) Loan from Richmond-mortgage lets you qualify based on the income your property generates, not traditional income documentation. Perfect for real estate investors looking to scale, DSCR loans give you the flexibility to leverage rental cash flow and expand your portfolio faster.

Whether you’re building wealth with short-term rentals, multifamily units, or single-family investments, DSCR loans keep the focus on your property’s income potential making financing simple, efficient, and growth-focused.

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How DSCR Loans Work

Pre-Qualification

We start by reviewing your property’s projected rental income and expenses to calculate an estimated DSCR ratio. This helps determine if your property cash flow can comfortably support the loan.

Property Analysis

Next, we evaluate detailed financials such as income statements, rent rolls, and operating expenses. This gives us a clear picture of your property’s performance potential.

Underwriting

Our team then runs the numbers, comparing your Net Operating Income (NOI) to the projected debt service. This confirms whether the property meets DSCR lending thresholds.

Terms Presentation

Based on the analysis, we present tailored loan terms, including loan amount, interest rates, and loan-to-value (LTV) ratio all structured around your property’s cash flow strength.

Closing

Once approved, we finalize the documentation, record agreements, and disburse funds so you can move forward with your investment confidently.

Ongoing Servicing

After closing, you’ll make regular payments as agreed. You’ll also have the option to refinance or expand your real estate portfolio as your investments grow.

Why Choose a DSCR Loan with Us?

  • No Traditional Income Proof – Approval is based on rental income, not W2s or tax returns.

  • Investor-Friendly – Ideal for short-term rentals, multifamily properties, or long-term rentals.

  • Flexible Loan Terms – Choose repayment options that match your investment strategy.

  • Fast Approval Process – Less paperwork, quicker closings, more time for deal-making.

Who Benefits Most?

  • Real estate investors scaling portfolios

  • Short-term rental hosts (Airbnb/VRBO)

  • Multifamily or mixed-use property owners

  • Investors who prefer asset-based lending over traditional documentation

DSCR Loans FAQs

Ans: DSCR loans are best suited for investors, landlords, or short-term rental owners who want to scale their portfolio without providing extensive income documentation.

Ans: DSCR loans can be used for single-family homes, multifamily units, condos, townhomes, and even short-term rentals like Airbnb or VRBO.

Ans: While credit history is reviewed, DSCR loans rely more on property performance. Many investors qualify even if their credit isn’t perfect.

Ans: Yes! DSCR loans are ideal for portfolio growth, since approval focuses on rental cash flow allowing you to qualify for more properties without traditional income barriers.

Ans: The formula is:
DSCR = Net Operating Income (NOI) ÷ Debt Service (loan payments)
A ratio of 1.0 or higher usually meets the minimum requirement.

Ans: Yes! DSCR loans are ideal for portfolio growth, since approval focuses on rental cash flow — allowing you to qualify for more properties without traditional income barriers.

Testimonials

What Customers Say About Working With Duane Buziak Mortgage Maestro