DSCR Loans

Are you a real estate investor looking to expand your portfolio? At New Dwelling Mortgage we specialize in DSCR (Debt Service Coverage Ratio) loans that offer a streamlined, flexible approach to financing investment properties. Our private lending solutions are designed to meet the unique needs of investors like you.

Debt Service Coverage Ratio Loan

DSCR Loan Qualifier

What is a DSCR Loan?

A DSCR loan is a financing option primarily for real estate investors. Unlike traditional loans that rely heavily on personal income, DSCR loans focus on the property's rental income to determine the borrower's ability to repay the loan. This means that the income generated by your investment property is used to cover the debt service, not your personal salary.

Key Benefits of DSCR Loans

No Personal Income Verification: DSCR loans do not require W2s or taxreturns. The property’s cash flow is what matters, making them ideal for investors who may not have traditional income sources.

Flexible Terms: Our private lending solutions offer flexible terms, including loan amounts, interest rates, and repayment schedules to match your investment strategy.

Fast and Efficient Process: We understand that time is critical in real estate investing. With our DSCR loan program, you can get approvals quickly, ensuring you don't miss out on lucrative investment opportunities.

Property-Centric: Since the loan is based on the income of the property rather than the borrower’s personal finances, it’s easier to qualify, even if you have multiple properties or other investments.

Ideal for Investors: Whether you’re acquiring single-family homes, multi-family units, or other types of income-producing properties, DSCR loans provide the financial flexibility you need to grow your real estate portfolio.

How DSCR Loans Work

The loan amount you qualify for is determined by the property’s cash flow (rental income) and its Debt Service Coverage Ratio (DSCR). The DSCR is a financial ratio that compares the property’s annual income to its annual debt obligations. A ratio above 1.0 indicates the property is generating enough income to cover its debts. Our team will work with you to ensure you get the best DSCR loan options based on your properties.

Why Choose New Dwelling Mortgage?

Expert Guidance: With years of experience in the real estate lending industry, our team will guide you through the process from start to finish, ensuring that you understand all your financing options.
Tailored Solutions: We offer personalized loan solutions that meet your specific needs. Whether you’re a first-time investor or a seasoned real estate mogul, we have the expertise to help you succeed.
Private Lending Advantages: We can offer faster pre-approvals, more flexible terms, and fewer restrictions than traditional banks. This means more opportunities for you to expand your portfolio.

Who Can Benefit from DSCR Loans?

Real Estate Investors: Whether you're purchasing single-family homes, multi-family units, or commercial properties, DSCR loans are perfect for investors looking to leverage rental income for property purchases.
Experienced Investors: If you’ve built a real estate portfolio and need funding for new acquisitions or to refinance existing properties, a DSCR loan can help you scale your business.
Non-Traditional Borrowers: If you don’t have a traditional W2 job or aren’t relying on personal income to fund your investments, a DSCR loan offers a great alternative.

Ready to Get Started?

At New Dwelling Mortgage, we’re dedicated to helping you secure the financing you need to grow your real estate investments. Our team is here to answer any questions and help you find the right DSCR loan for your property.

Contact Us Today to speak with a loan specialist and learn more about how a DSCR loan can help you achieve your investment goals.

Ari K

15:11 02 Dec 24

My wife and I are blessed to have met Frank at New Dwelling Mortgage!!! Genuinely an absolute pleasure to work with from start to finish. Can't say enough about him and his company process. We would recommend anyone in the market to give New Dwelling a call first.

Caesar Krit

02:36 04 Oct 24

My wife and I cannot say enough about the expertise and true professionalism that New Dwelling provided for our first home. Gaby and Frank were extremely thorough and worked under short notice to meet deadlines. Would highly recommend to anyone else.

Jose Guzman

21:56 29 Jul 24

We used New Dwelling Mortgage for our Mortgage on our home and I must say do not second guess their services !! Steve & Gaby were great throughout the entire process; constant communication; weekly status updates. They make videos which help you visualize and understand important documents. Steve is there for all your needs and the best part was how quick we were clear to close!!! Thank you to everyone at New Dwelling.

Blue River

05:45 25 Jul 24

New Dwelling Mortgage specifically Stephen Simone created a wonderful experience for me as a client. He was knowledgeable, present, and in my estimation, the most ethical consultative service person I have ever worked with in my life. Ray every turn he promised and OVER delivered. He was able to get a mortgage done in two weeks for my family.I consider Stephen Simone not only a fantastic mortgage broker, but a friend for life after this experience.Thank you, Stephen Simone! And New dwelling Mortgage.

Justin Conigliaro

23:31 11 Jul 24

My wife and I cannot say enough about the expertise and true professionalism that New Dwelling provided us throughout the process of purchasing our first home. Amanda, Gaby and Frank were extremely thorough, warm and patient. They provided us with extremely helpful videos every step of the way, they made time to answer all of our many questions and made us feel extremely comfortable and confident as we embarked on a journey that we truly knew nothing about. Thank you so much for everything that you’ve done for us. We will ALWAYS work with New Dwelling moving forward and would highly recommend anyone else to do the same.