Invest
Finance the return, not just the property.
Investors need speed, certainty and structure. We look at cash flow, entity setup, reserves and exit strategy before we pick a product.
Quick answer
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan qualifies the property rather than your personal income. The lender compares the rental income to the loan payment. It is a common path for investors whose tax returns do not reflect their buying power, and terms depend on the ratio, credit and down payment.
Written and reviewed by Abdel Khawatmi, Area Manager at Got Mortgages (NMLS #1712023) ·
What investors get from our desk
Deal-level analysis
We look at the ratio, reserves and structure before the offer, not after the inspection.
Entity and title guidance
LLC vesting, seasoning and documentation handled ahead of time so closings do not stall.
Repeatable execution
Investors buy more than once. We build a process you can run again next quarter.
Investment financing we structure
- DSCR loans
- Owner-occupied multi-family
- Multi-family investment
- Second homes
- Portfolio and equity strategy
- First investment property
- Bridge options where offered
Questions people actually ask
- Conventional investment financing typically starts around 15% to 25% down depending on units and program, and DSCR loans commonly sit around 20% to 25%.
Bring us the deal.
Send the address, rents and your target structure. We will tell you quickly whether it works.
Educational information only. Not a commitment to lend, an offer of credit, or a guarantee of terms, approval, savings, or timing. All scenarios are illustrative and anonymized. Equal Housing Opportunity.