DSCR Loans | Debt Service Coverage Ratio Mortgages for Investors | Jhenesis Mortgage

Jhenesis Mortgage

Q: What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on the rental property's cash flow rather than personal income or employment, ideal for real estate investors.

Q: What DSCR ratios are available?

For Investor Cash Flow: DSCR 1.0, less than 1.0, or no DSCR required. For Closed-End Second Lien: Minimum 1.2 DSCR.

Q: What are the loan amounts?

Investor Cash Flow: $100,000 to $3 million. Closed-End Second Lien: $100,000 to $350,000.

Q: Do I need to verify personal income?

No, both programs qualify based solely on property cash flow; no personal income or employment verification required.

Q: What property types qualify?

Investor Cash Flow: Short/long-term rentals, warrantable/non-warrantable condos, condo hotels. Closed-End Second Lien: Long-term rentals, warrantable condos only.

DSCR Loans for Smart Real Estate Investors

Qualify based on your rental property’s cash flow – no tax returns or paystubs needed. Whether expanding your portfolio or accessing equity, our DSCR programs make investing easier and more profitable.

Get Your Free Quote Start Application

Why Investors Love Our DSCR Loans

As a real estate investor, you’re focused on cash flow and growth. Our Debt Service Coverage Ratio (DSCR) loans let the property do the talking – no personal income hurdles. From first-time flips to seasoned portfolios, we provide the flexible financing to scale your empire.

Cash Flow Qualification

No personal income or employment docs required – perfect for self-employed or tax-optimized investors.

Flexible DSCR Tiers

Options for DSCR 1.0, under 1.0, or no DSCR at all, accommodating various property performances.

Generous Loan Limits

Up to $3M for purchases/refis; $350K second liens to tap equity without refinancing.

Investor Perks

Interest-only payments, entity vesting, gift funds, and automated rental estimates for quick approvals.

Explore Our DSCR Loan Options

Investor Cash Flow Mortgage

$100K-$3M loans, up to 85% LTV (720+ FICO)
Purchase, cash-out/refi, rate/term, delayed financing
DSCR: 1.0, <1.0, or none required
Short/long-term rentals, condos/condotels
Interest-only; 5/6 ARM, 7/6 ARM, 30-yr fixed
Min FICO 680; gift funds & 6% concessions ok
Entity vesting (LLC, corps); no FTHB

DSCR Closed-End Second Lien

$100K-$350K loans, up to 75% CLTV (720 FICO)
Access equity for improvements or expansion
Min 1.2 DSCR; long-term rentals only
20-year fixed term; lump-sum payout
Min FICO 700; warrantable condos ok
2+ years investment property management
Full appraisal; no fund use restrictions

Our DSCR programs are designed for real investors like you – fast closings, flexible terms, and expert support to maximize returns.

DSCR Calculator

Quickly estimate your property’s Debt Service Coverage Ratio. Input details to see if it qualifies under our flexible DSCR options.

Monthly Rental Income ($) Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA) ($)

Frequently Asked Questions

What is a DSCR Loan? ▼

A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on the rental property’s cash flow rather than personal income or employment, ideal for real estate investors.

What DSCR ratios are available? ▼

For Investor Cash Flow: DSCR 1.0, less than 1.0, or no DSCR required. For Closed-End Second Lien: Minimum 1.2 DSCR.

What are the loan amounts? ▼

Investor Cash Flow: $100,000 to $3 million. Closed-End Second Lien: $100,000 to $350,000.

Do I need to verify personal income? ▼

No, both programs qualify based solely on property cash flow; no personal income or employment verification required.

What property types qualify? ▼

Investor Cash Flow: Short/long-term rentals, warrantable/non-warrantable condos, condo hotels. Closed-End Second Lien: Long-term rentals, warrantable condos only.

Get Your Custom DSCR Loan Quote

Share your investment details, and our experts will tailor a DSCR solution to help you build wealth through real estate.