Purchase DSCR Loans
Acquire rental properties without relying on your personal income. DSCR purchase programs use the property's expected rent to determine qualification and pricing.
Key advantages for acquisitions
Speed to contract
Submit your scenario in minutes and compare indicative terms before you write an offer. Any pre-approval letter comes from the lender, subject to its review.
Investment scaling
Buy the next property even if your personal DTI is high from existing mortgages.
Flexible property types
Single family, small multifamily, and many condo projects accepted.
How purchase DSCR works
We calculate an estimated DSCR using the appraiser's or underwriter's projected market rent. Lenders then apply their published DSCR grids to determine max LTV and rate.
Maximum LTV varies by lender and program. Credit is one factor; requirements vary by lender and program, and the ratio, credit and property all affect available leverage.