DSCR Rental Loans — Qualify Based on Property Income

[Joyce Ann Magallanes]

For rental property investors, financing should align with the asset — not your personal tax returns.

DSCR structures allow qualification primarily based on the property's rental income rather than personal income documentation. In qualifying scenarios, options may include:

• Consideration for vacant properties
• Flexibility for DSCR ratios below 1.0 when overall deal strength supports it
• No prepayment penalty options available under certain structures
• Cash-out refinances up to 75% LTV*

Each transaction is evaluated individually, with structure based on the property fundamentals, borrower profile, and market conditions.

If you’re acquiring a rental or considering a refinance, you’re welcome to share the details for review.

*Rates, leverage, and terms subject to underwriting approval. Not all borrowers or properties will qualify. This is not a commitment to lend.