Real Estate Broker · Member since 2025 · 196 posts · 79 votes
With rising demand in multiple states, I'm seeing landlords shift toward DSCR-style strategies to scale faster without traditional approval bottlenecks. For those growing portfolios — what's helping you move quicker in tight inventory areas?
DSCR products are great for not having to include personal financials and scaling. They still have to cash flow though and require a solid down payment, typically 15-25% depending on property type. The big key is, they also have to cash flow. Most DSCR products you at least have to be at a 1.0, with pricing (rates) getting better when over a 1.1 and 1.25 ratio. So the more you put down or the more a property cash flows the better terms will be. Cash flow is hard to find but if you can this can be a great option. Or bank statement loans (which we do a lot for high earning business owners).