Lantzman lending DSCR Loans
No-Income Verification Financing for Your Rental Portfolio
Rate Starting at 6%
Rate Starting at 6%
Whether you are building a real estate empire or buying your first rental, you need a long term loan solution after you have stabilized your investment property. Debt Service Coverage Ratio or DSCR loans use the property’s income, not your personal income, to determine the approval. It’s fast, flexible, and built for investors who value leverage, speed, and scale.
Rates Starting
at 6%
$75k Min Loan
Amount
30 Year Loan
Term
620 Min Credit
Score
Residential & Commercial Properties
Closing as fast as
15 days
Purchases &
Refinances
Get a Quote in Minutes
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What is a DSCR Loan?
A DSCR loan is a type of mortgage designed for real estate investors, focusing on the property’s ability to generate rental income to cover its debt obligations.
Unlike traditional loans that emphasize the borrower’s personal income, DSCR loans assess the property’s cash flow, making them ideal for investors with non-traditional income sources or those looking to expand their rental portfolios.
DSCR Loans can be used for long term & short term rentals for both residential and commercial properties. The allow to finance numerous properties using the same strategy over and over to build a scalable business model.
NEW TO DSCR Loans? NO Prior EXPERIENCE? NO PROBLEM! CLICK BELOW and request a call or get a quote the same day!
How is DSCR Calculated?
The Debt Service Coverage Ratio is calculated using the following formula for residential rentals:
DSCR Ratio = Monthly Gross Rental Income / Total Debt Service (PITI + HOA)
- Monthly Gross Rental Income is the total gross amount received each month
- Total Debt Service: PITI + HOA is the total monthly sum of mortgage payments (including principal and interest) + property taxes + insurance + any HOA fees.
Lenders typically look for a DSCR of at least 1.0, indicating the property can cover its debt. However, we offer flexible solutions that can include “No Ratio” loans and flexible credit scores. Rates vary depending on the DSCR ratio, Loan to Value, and your credit score.
What are some Benefits of DSCR Loans?
DSCR loans focus solely on the property’s income potential, eliminating the need for personal income documentation such as W-2s, tax returns, or pay stubs. This is particularly beneficial for self-employed investors or those with complex income structures.
These loans can be used for various investment properties, including:
- Single-family homes
- Multi-family units
- Condos and townhomes
- Short-term rentals (e.g., Airbnb properties)
- Mixed Use Properties
- Commercial Properties
This flexibility allows investors to diversify their portfolios across different property types.
By focusing on property income, DSCR loans often have a faster approval process compared to traditional loans. This enables investors to act quickly in competitive markets. While closing will take longer than our ultra fast bridge and fix & flip loans due to appraisals being required.
Since qualification is based on property income rather than personal income, investors can potentially acquire multiple properties simultaneously, facilitating rapid portfolio growth.
Borrowers can take title in entities or personal names
Investors can have an unlimited number of DSCR loans at a given time. Unlike restriction that might be placed by conventional loan lenders.
DSCR Loan approval Process
Step 1:
Fast Deal Submission
Share the property details, rent roll or market rents, and your loan goals. No income docs or tax returns required. This can be done online or by phone
Step 2:
Quick Pre-Approval
We calculate the Debt Service Coverage Ratio and provide clear terms, rates, and loan options within hours.
Step 3:
Streamlined underwriting approval
We will collect an application & a limited amount of documentation. Appraisal can be rushed in as little as 5 days.
Step 4:
Approval and Funding
Upon receipt of appraisal, loan approval and closing will take about 5 days.
Frequently Asked Questions
A: No, DSCR loans are intended for investment properties only.
A: We offer various different loan programs through our correspondent relationships. Depending on the Loan to Value and Credit Scores, there are various options ranging from no ratio loans up to 1.0 ratio and greater. To get the most competitive rates a 1.0 or greater is typically required.
A: DSCR loans often have a streamlined process, potentially closing as fast as 20 days. In most cases appraisals are required, but other documentation is limited.
DSCR Loans are typically available for various property types, including single-family homes, multifamily properties, and commercial real estate. Guidelines will vary slightly depending on the property type.
Yes. We use market rents from the appraiser’s Form 1007 or 1025 when leases are not available.
Absolutely. Investors often use DSCR cash-out to scale their portfolio, fund renovations, or acquire additional properties.
We offer loan products with credit scores down to 620. However, there are pricing tiers at 620, 660, 700 & 740. Combined with LTV and the DSCR ratio rates can vary.
Yes, DSCR loans work for short term rentals, rental calculation and rental verification requirements may vary from long term rental properties. Speak with our team!
DSCR loans provide a flexible and efficient financing solution for real estate investors in California. By focusing on a property’s income potential rather than personal income, these loans open doors for a broader range of investors, facilitating portfolio growth and investment opportunities in the competitive California market. Lantzman Lending offers investment loans through our direct lending fund, and also through correspondent lenders for our DSCR loan products.
