You deserve a loan that looks at your property—not your paystubs.
STOP STRUGGLING WITH BANKS THAT DON’T UNDERSTAND INVESTORS.
You deserve a loan that looks at your property, not your paystubs. DSCR Loans make it simple for real estate investors to grow without the red tape.
Tired of lenders asking for stacks of documents?
Or worse—getting denied because you don’t “fit the mold”?
You’re not alone.
Traditional mortgages just weren’t built for real estate investors. The paperwork. The delays. The limitations. DSCR (Debt Service Coverage Ratio) loans eliminate all that by qualifying you based on one thing: the cash flow of the property.
If the rent covers the mortgage, you’re on track. That’s it. Let us show you a faster, smarter way to fund your investments.
I got my first deal done through a DSCR loan and haven’t looked back.
I had been turned down by multiple lenders because of my self-employed income. These guys looked at the property, ran the numbers, and got me funded fast. Simple, no fluff.
Michael P., Airbnb Investor
Put Your Feet Up,
Let the Property Pay
You focus on finding deals. We’ll make sure financing doesn’t get in the way.
We help investors of all experience levels—from first-time single-unit landlords to multi-property pros—get the funding they need based on asset performance. DSCR loans are all about the math, not the paperwork.
We’ll Fund Your Investments
Without the Shortcuts
We don’t just get you approved.
We teach you how to use DSCR loans strategically to:
Maximize Cash Flow - Get the most out of your rental income with favorable terms designed to boost monthly profits.
Scale Your Rental Portfolio Easily finance multiple properties without traditional lending restrictions holding you back.
Refinance Existing Loans Free up equity or lower your monthly payments by refinancing under DSCR guidelines.
Structure Purchases Under an LLC Protect your assets and keep your business organized by purchasing properties in your company’s name.
Ready to Get Started?
Frequently Asked Questions
Question 1: What is a DSCR loan and when might I use one?
A DSCR loan is a financing option that looks more at the income a property generates (especially rental income) rather than your personal income or traditional job history. If you own (or plan to own) investment/rental properties, this type of loan can help you qualify based on the property’s ability to pay for the debt.
Question 2: How is DSCR calculated and what minimum DSCR do lenders look for?
DSCR stands for Debt Service Coverage Ratio. It’s usually calculated as Net Operating Income ÷ Total Debt Service (how much rental income minus expenses, compared to your loan payments). Lenders often want a DSCR at or above a threshold (often around 1.0 or higher) to ensure the property brings in enough cash to cover mortgage payments.
Question 3: What credit score, down payment, or property types do DSCR loans require?
Requirements vary by lender. Many ask for moderate credit scores (e.g. 620 or higher), a fair down payment, and will look closely at the type of property (single‑family, multi‑family, short‑term rental vs long‑term, etc.).
Question 4: What are the risks or downsides of choosing a DSCR loan?
Because qualification depends heavily on the property income, fluctuations in rent, vacancies, or unexpected repairs can affect your cash flow. Also, interest rates or terms might be less favorable than conventional loans if the DSCR is marginal.
Question 5: How do I prepare or improve my chances of getting approved for a DSCR loan?
You’ll want good documentation of rental income (leases, historical cash flow), keep operating expenses reasonable, reduce debt wherever possible, maintain a good credit score, and perhaps improve the DSCR (e.g., by increasing income or reducing expenses).
For details on how a DSCR loan may work for your personal situation, be sure to check contact your NEXA Mortgage Advisor.
