DSCR Mortgage Options for Investment Property
A DSCR review focuses on the rental income a property is expected to produce in relation to its debt obligations, rather than primarily on the borrower’s personal employment income. DSCR mortgage options are generally used for investment property, not a primary residence. Documentation, property type, loan purpose and available terms depend on the borrower, lender and program. A scenario review can help identify which paths may be relevant.
Solutions Built for Real Estate Investors
DSCR Purchase Loans
Most PopularQualify based on the property's rental income — not your personal income or tax returns. Ideal for investors building a rental portfolio.
- No personal income verification
- Qualify on rental income (DSCR ≥ 1.0)
- Short-term rental income accepted (Airbnb/VRBO)
- Loans from $300K to $5M+
- Investment properties & 2nd homes
DSCR 2nd Lien Cash-Out
ExclusiveOne of the only lenders offering a 2nd lien DSCR cash-out refi for short-term rental second homes and investment properties. Up to $1M cash out, 80% LTV.
- Up to $1M cash out
- Up to 80% combined LTV
- Short-term rental income qualifies
- Preserve your existing low-rate first mortgage
- Limited documentation required
Buy Before You Sell — Up to $5M
ExclusiveOne of the only lenders in Texas offering Buy Before You Sell at loan amounts up to $5 million. Purchase your next property before listing your current one.
- Loan amounts up to $5 million
- Access equity before your home sells
- Make non-contingent offers
- Available for self-employed borrowers
- Move in before you sell
40-Year & Interest-Only Loans
Maximize cash flow with interest-only or 40-year amortization structures. Ideal for investors who want to minimize monthly payments and maximize returns.
- Interest-only period available
- 40-year amortization
- Maximize monthly cash flow
- Investment & 2nd home properties
- Works with DSCR qualification
The Big Beautiful Bill Strategy
W-2 employees can leverage 2nd homes and investment properties to create significant tax deductions. We structure DSCR, interest-only, and 40-year loans to maximize your cash flow and tax strategy.
01
Purchase a 2nd Home or Investment Property
Buy a short-term rental second home or investment property with 20%+ down. The property sustains itself with rental income.
02
Generate Tax Deductions
Depreciation, mortgage interest, and operating expenses create deductions that offset your W-2 income under the Big Beautiful Bill.
03
Access Equity with DSCR 2nd Lien
Once the property appreciates, our exclusive DSCR 2nd lien cash-out lets you access up to $1M in equity with limited documentation.
04
Reinvest & Repeat
Use the cash-out to acquire your next property, pay down debt, or fund your business — while keeping your low-rate first mortgage intact.
DSCR Loan Questions
Ready to Build Your Portfolio?
Schedule a consultation to discuss your investment strategy and find the right financing solution.