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.
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.
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