American Prime Rate LLC. – Mortgage Loan Broker Orange CA

DSCR Loans

DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investment loan that qualifies borrowers based on the property’s cash flow, not their personal income.

Instead of reviewing tax returns, W-2s, or pay stubs, lenders look at how much rental income the property generates compared to the mortgage payment.

Two women sitting at a table with a laptop.

Benefits of DSCR Loans

No Personal Income Verification

Faster Approval and Closing

No prepayment penaltyIdeal for Real Estate Investors

Use for Purchases or Refinances

Flexible Property Types

Higher Loan Limits

Portfolio Expansion

Credit-Friendly Compared to Conventional Investor Loans