Investment Property Financing Based on the Property's Cash Flow
A DSCR loan is designed for real estate investors and generally qualifies based on the property’s rental income rather than traditional personal income documentation.
At E Mortgage Capital, we offer flexible DSCR options for purchases and existing investment properties.
DSCR Program Highlights
GET MY DSCR QUOTE
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio.
Instead of qualifying primarily off your personal income, the lender evaluates whether the property’s rental income supports the proposed housing payment.
For example:
$3,000 Rental Income ÷ $2,500 Housing Expense = 1.20 DSCR
Different lenders have different DSCR requirements, and we have access to programs for a wide range of investor scenarios.
We offer both:
DSCR 1st Mortgages
Great for purchases, refinances, and accessing equity through a cash-out refinance.
DSCR 2nd Mortgages / Home Equity Loans
Access equity from an investment property without refinancing your existing first mortgage.
This can be especially useful if you already have a favorable rate on your first mortgage but want to pull cash out for:
DSCR and non-QM loan programs are subject to lender guidelines, property eligibility, loan-to-value limitations, reserve requirements, appraisal requirements, and other underwriting conditions. Program availability varies by borrower and property. Not all borrowers will qualify. This is not a commitment to lend.
Whether you're buying your next rental or accessing equity from a property you already own, E Mortgage Capital can compare multiple DSCR programs to find the right fit.
Purchase up to 85% LTV Cash-out up to 80% LTV No minimum credit score options 1st and 2nd mortgage DSCR programs
