Solutions for Self-Employed Investors
A Debt Service Coverage Ratio (DSCR) loan is a mortgage designed for real estate investors. Unlike traditional mortgages that heavily rely on your personal income, credit history, and debt-to-income ratio, DSCR loans primarily focus on the income-generating potential of the property itself. At ACM, we're here to help you find the right home finance solution to meet your unique portfolio.
Start Your Pre-Qualification Today!Advantages of a DSCR Loan
A DSCR Loan allows investors to finance property without facing scrutiny for their personal financial picture or needing paperwork that they can’t provide
DSCR loan qualification is ideal for investors financing rental properties, since lenders will qualify financing based on the potential profit of the property
Each DSCR loan is approved based on each individual property’s income potential, meaning you may be able to quickly grow your real estate portfolio with multiple properties
More About The DSCR Loans
Lenders offering DSCR loans, such as ACM, will assess the property’s projected or current rental income to determine whether it is sufficient to cover the mortgage payments and other associated debts. The DSCR formula is DSCR = Net Operating Income (NOI) / Total Debt Service (PITI). We use this to determine your property’s potential.
Real estate investing is often complex, but it doesn’t have to be. DSCR Loans are a common-sense financing solution for investors, without unnecessary red tape.
