DSCR Loans

Smarter Easier Financing for Investors

The Ultimate DSCR Loan Programs
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Unbeatable DSCR Loan Rates!

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DSCR Loans: Smart, Flexible Financing
for Real Estate Investors

Investing in rental properties should be straightforward-not bogged down by endless paperwork and income verification. That’s where DSCR Loans come in. Whether you’re purchasing a new property or refinancing an existing one, DSCR Loans focus on what truly matters: your property’s cash flow, not your personal tax returns.

At HomeLife Mortgage, we specialize in DSCR loans tailored for savvy real estate investors like you. Our streamlined process eliminates the usual financing roadblocks, giving you faster approvals, competitive rates, and the flexibility to expand your portfolio with confidence.

Let’s make your next investment move seamless and stress-free.
Explore how a DSCR Loan can work for you today!
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Why Choose a DSCR Loan?

Our DSCR Loans are designed specifically for real estate investors like you – making it simple to expand your portfolio. Whether you’re purchasing or refinancing, DSCR Loans can be used to finance a variety of rental properties, including single-family homes, condominiums, and 2–4-unit properties.

We streamline the financing process so you can focus on what matters most: securing the right properties and maximizing returns. With a DSCR Loan, you’ll benefit from a fast, hassle-free approval process, ultra-competitive rates, and predictable monthly payments for long-term stability. It’s the ideal solution for savvy investors looking to grow their real estate holdings with ease.

 

LOW, FIXED INTEREST RATES

Unbeatable 30 year fixed rates – starting in the mid 6’s.

FLEXIBLE TERMS

Tailor your loan to fit your needs, whether you prefer a fixed rate, adjustable rate, or interest-only loan.

HIGH LOAN-TO-VALUE RATIO

Enjoy the option to buy or refinance up to 80% of your property's value.

TITLE IS FLEXIBLE

Your property can be purchased or refinance under an LLC, corporation, or individual name.

QUICK CLOSING TIMES

Get preapproved in just 24 hours and close within 3-4 weeks, allowing you to seize investment opportunities swiftly.

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Understanding DSCR Loans

A DSCR Loan (Debt Service Coverage Ratio Loan) is designed for real estate investors, focusing only on rental income, not personal income.
A DSCR of 1.0 or higher means the property covers its costs, making it easier to qualify without tax returns or income verification.

The Numbers Game:

Let's break it down with an example.

Say your rental property generates $5,000 per month in income, and your monthly expenses, including PITI and HOA dues, sum up to $4,000.

In this case, your DSCR would look like this: $5,000 (rental income) / $4,000 (PITI) = 1.25 DSCR.

This robust DSCR would easily qualify you for a DSCR rental loan, ensuring your investment success.

Easily Calculate your DSCR Ratio
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How Are DSCR Loan Rates Determined?

Your DSCR loan rate is based on a few key factors:

FHA-Loan

Property’s Rental Income

The higher your rental income, the better your DSCR, and the lower your interest rate. Strong cash flow = lower risk for lenders.

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Loan-to-Value (LTV) Ratio

A lower LTV (more equity, less borrowing) helps reduce lender risk and secure better interest rates.

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Credit Score Matters

Your highest mid-FICO score is used to determine your rate. A strong credit profile helps secure the best DSCR loan pricing.

Explore Your Options - Get a Quick Quote Today!

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What’s New?
DSCR Loan Program Highlights

DSCR loans are now more accessible than ever. Here’s what’s making waves in 2025:

  • No reserves required for loans with a 1.0 DSCR
  • 100% gift funds allowed – no minimum borrower contribution
  • First-time homebuyers qualify with a 1.0 DSCR or higher
  • Higher credit scores work in your favor – lenders now use the highest middle score for all borrowers!
  • No seasoning required for cash-out on rehab properties
  • Refinancing? Use the higher of market rent or lease agreement to qualify
  • Recently listed properties are eligible (if the listing is removed before closing)
  • Vacant properties? No problem! 100% of the market rent can be used for DSCR calculations

Boost Your DSCR with Asset Depletion

Need to increase qualifying rental income? Asset depletion allows borrowers to convert liquid assets into additional qualifying income, improving cash flow and helping more properties meet DSCR Mortgage requirements.

How It Works:

A borrower with $120,000 in liquid assets (after down payment and closing costs) can use an asset depletion formula:

  • $120,000 ÷ 60 months = $2,000 in additional qualifying income

Example:

📌 Market Rent: $4,000 | PITI: $6,000 → DSCR: 0.66 (Not eligible)
📌 Market Rent + Asset Depletion ($2,000): $6,000 | PITI: $6,000 → DSCR: 1.0 (Eligible for better rates!)

Unlock Your Real Estate Investment Potential
with a DSCR Loan

Let's Run the Numbers

DSCR Loans eliminate traditional financing roadblocks, offering fast, flexible, and hassle-free investment property loans. Whether you’re purchasing or refinancing, HomeLife Mortgage is here to help you succeed.

 

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If you’re hungry for more insights, be sure to check out our other blog posts and subscribe to our YouTube channel for even more tips and tricks.

Call HomeLife Mortgage now and let us help you get pre-approved now!

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Our Commitment to Excellence

At HomeLife Mortgage, our dedication to excellence is evident in the success stories of our clients. We pride ourselves on delivering top-tier service and financing solutions that meet our clients' needs. But don’t just take our word for it—hear it from those who matter most: our clients. Our Trustpilot reviews reflect our unwavering commitment to helping you achieve your homeownership and investment goals.

 

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Do you qualify for a DSCR Rental Loan?

Download our free eBook below to access the step by step process for qualifying for no-doc rental loans. You’ll learn:

  • Exactly what DSCR (Debt Service Coverage Ratio) rental property loans can be used for
  • Why your DSCR matters
  • How your credit score will affect your down payment
  • What to do if appraised rents come in low

e-Book Ultimate Guide For DSCR Rental Loans

Recognized as a Top Lender for Real Estate Investors

Excellent

Trustpilot
Darrin and team is superb! I had a stress free less than 30 day closing on my new investment property purchase. They did a “No Doc” loan for me where they only had a credit report requirement. The team is very responsive and kept me updated…

Sharmila S.

We used HomeLife for a bank statement loan since we are self employed and this was a fantastic experience! The entire team, Jayne, Darrin, Esther and everyone at HomeLife was a pleasure to work with and super responsive. I would highly recommend…

Amber A.

I would highly recommend Darrin Seppinni for your loan. I am here to say you do not have to go anywhere else. This great man and his wife Jayne and their staff got my wife and I a loan on a home with a 21 day escrow in the hottest sellers’ market…

Douglas Pettibone

I can't say enough good things about this company. Without them, I'd not be in the new home we dreamed of. As long as my tax returns don't support the mortgage value I need, these guys will be my first call! I've already referred 3 friends...

Sean M.