What Are DSCR Loans?

DSCR loans prioritize a property’s income potential over the borrower’s personal income, simplifying qualification for LLC investors.

DSCR Formula: Rental Income ÷ (Principal + Interest + Taxes + Insurance + Association Dues)

Lenders typically require a DSCR ratio of 1.25 or higher, signaling a property’s profitability.

Why DSCR Loans Are Ideal for Today’s Market

Flexibility, streamlined approval and investor-friendly terms make DSCR loans attractive in 2024.

Competitive Interest Rates

• Current rates average 7.0%, with opportunities as low as 5.99%.
• Factors such as higher DSCR ratios, lower LTV and strong credit scores can reduce rates.
• Rate buy-downs offer additional savings.

Favorable Market Conditions

Low housing affordability drives rental demand, making DSCR loans ideal for long-term rental investments.

Advantages of DSCR Loans for LLCs

• No personal income requirements.
• Simplified documentation with fewer regulatory hurdles.
• Quick approvals for competitive markets.

Capitalizing on Today’s Market with DSCR Loans

Leverage DSCR loans to scale rental portfolios efficiently amidst rising rental demand and steady property appreciation.

RBK GFS: Your Partner for DSCR Financing

• No W2s, paystubs or tax returns required.
• Competitive 30-year loan terms.
• Eligibility for single-family homes, condos and more.