top of page

DSCR LOAN

What is DSCR Program™
Figure with Question Mark

The DSCR (Debt service coverage ratio) loan program is designed specifically for real estate investors who want to qualify for a mortgage based on the income generated by the property not personal income. with a DSCR loan, lenders focus on whether the property's rental income can cover the monthly mortgage payment, including principal, interest, taxes, insurance, and HOA fees. This means there's no need for tax returns, W-2s, or personal income verification, making it ideal for self-employed borrowers or those with complex financial situations. 

 

At American Nationwide Mortgage Company, we offer flexible DSCR financing options that work for both short-term and long-term rental properties, including Airbnb and VRBO. Whether you're a seasoned investor or just starting to build your portfolio, DSCR loans provide a streamlined path to grow your real estate holdings. Our team is here to help you explore your options and guide you through the process from start to finish.

DSCR Benefits Include:

No Personal Income Verification.

No tax returns, W-2s, or pay stubs required.

Qualify Based on Rental Income

Use Projected Market Rents

​Lower Documentation Requirements

Unlimited Properties Allowed

Fix & Rent BRRR Friendly

Flexible Credit Score Requirements

Available to Foreign Nationals

​Interest-Only Options Available

PC Screen
DSCR LOAN 
     DSCR 
Bank Statement Program:
12-24 months of personal or business bank statements  
 
Primary, secondary, or investment homes

660-700+ depending on LTV

Flexible Credit Requirements

Limited Documentation

Competitive Loan Amounts

Available for Purchase, Refinance, or Cash-Out

Up to 90% LTV (10% down)

No PMI (Private Mortgage Insurance
House Floating on Raft
bottom of page