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Real Estate Funding

DSCR Loans

DSCR real estate loans are commercial loans based on the income generated by the property, not the borrower’s personal income. 

The Debt Service Coverage Ratio (DSCR) compares the property’s net operating income (NOI) to its debt obligations. 

A DSCR over 1 means the property earns enough to cover its debt, making it crucial for loan approval. These loans are typically used for income-generating properties like single family rentals apartments, retail spaces, or offices. 

Loans from $75,000 To $2,500,000

 Qualifications:

  • DSCR of 1.25 or higher is preferred
  • Net Operating Income (NOI) by its annual debt obligations
  • Boost NOI by increasing rental income and reducing expenses
  • While the focus is on the property, a good credit score can improve loan terms.
  • Appraisal is required to confirm property value
  • A down payment of 20-30% of the property's value is typically needed
  • Provide detailed financial records, including income statements, rent rolls, and tax returns.

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