Prospect Lending
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  • LOAN PROGRAMS
    • Self-Employed No Tax Docs
    • No Income/Employment Docs
    • 3.5% Down Payment Grant
    • Medical Professional Loan
    • DSCR For Rental Property
    • "HELOC" Home Equity Line
    • All Loan Programs
  • Zero fees
  • Contact
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  • More
    • Home
    • LOAN PROGRAMS
      • Self-Employed No Tax Docs
      • No Income/Employment Docs
      • 3.5% Down Payment Grant
      • Medical Professional Loan
      • DSCR For Rental Property
      • "HELOC" Home Equity Line
      • All Loan Programs
    • Zero fees
    • Contact
    • Careers
    • Apply Now
  • Home
  • LOAN PROGRAMS
    • Self-Employed No Tax Docs
    • No Income/Employment Docs
    • 3.5% Down Payment Grant
    • Medical Professional Loan
    • DSCR For Rental Property
    • "HELOC" Home Equity Line
    • All Loan Programs
  • Zero fees
  • Contact
  • Careers
  • Apply Now

Featured Loan Product

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Debt Service Coverage Ratio (DSCR)

A Debt Service Coverage Ratio, or DSCR, Cash Flow loan is an investment property mortgage that borrowers qualify for based on the cash-flow of the rental property. DSCR Loans make it easy for real estate investors to qualify for an investment property mortgage.


Income Requirements


There are no income requirements for a DSCR mortgage. Instead, lenders use the estimated market rent for an investment property to determine if your expected rental income will cover your monthly loan payments. This is different from a traditional loan option that qualifies you based on employment and debt qualifications. These loans are also referred to as business purpose or private lender loans. 


Eligibility


  • Down payments as low as 15%
  • 640 minimum FICO score
  • $100k minimum loan amount
  • Residential properties only
  • 1-8 unit properties

How To Apply

Apply now simply by clicking below, or call us at (877) 665-5515

Click Here to Apply
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Prospect Lending, Inc.

11140 Los Alamitos Blvd #201, Los Alamitos, CA 90720

877-665-5515

Copyright © 2024 Prospect Lending, Inc. All Rights Reserved.


Prospect Lending | NMLS ID: 2616050 | Licensed by the California Department of Real Estate (DRE), DRE Lic number 02243237.
Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance income.
Rates and terms are subject to change without notice. This website is for informational purposes only and does not constitute a loan offer or financial advice.
Loan approval is subject to underwriting guidelines and credit qualification.
Use of this site or its tools does not guarantee loan eligibility.
Personal data is handled in accordance with our Privacy Policy.
Verify our license at nmlsconsumeraccess.org. 

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