DSCR (Debt Service Coverage Ratio) Loans

iFinance Florida

Why iFinance Florida Is the Investor’s Choice for DSCR Loans
At iFinance Florida, we know real estate investing is about cash flow, not tax returns. That’s why we specialize in DSCR loans—designed specifically for investors who want to qualify based on the income potential of the property, not their personal income. Whether you’re building a portfolio or refinancing an existing rental, our DSCR loan programs remove the friction and accelerate your investment goals.

What Is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) is a non-QM product that allows real estate investors to qualify for financing based on the rental income of the subject property. Instead of using personal income documents, lenders use the DSCR formula: gross rental income ÷ mortgage payment (PITI). A DSCR of 1.0 or higher typically indicates that the property can cover its own expenses—making it a viable investment.

Who Qualifies for a DSCR Loan?
These loans are available to U.S. citizens, LLCs, and even foreign nationals. A DSCR of 1.0+ is typically the benchmark for approval, though some lenders allow lower ratios with compensating factors. Most programs require a credit score of 620 or higher and a minimum down payment of 20–25%. No tax returns, pay stubs, or employment verification required—just a solid investment property.

Why DSCR Loans Are a Smart Move
DSCR loans streamline the approval process and allow you to scale faster. Because qualification is based on property income—not personal debt-to-income ratios—they’re ideal for full-time investors, self-employed borrowers, and foreign buyers. They also support a wide range of property types: single-family, multifamily (up to 8 units), condos, and short-term rentals.

iFinance Florida Makes Investing Effortless
We’ve worked with investors at every stage—from first-time landlords to seasoned portfolio holders. Our relationships with top DSCR lenders mean we can structure deals for maximum leverage, minimum hassle, and faster closings. We also help with LLC structuring, market rent analysis, and closing strategy.

Let the property qualify. Not your paperwork.
Click below to schedule your free DSCR consultation. We’ll calculate your ratios, review options, and structure a deal that supports your next big investment move.

Key Features and Benefits:

  • Focus on DSCR: Emphasizes the property’s cash flow to ensure sufficient income to cover debt obligations, prioritizing a healthy income-to-loan payment ratio.
  • Risk Evaluation: Utilizes a comprehensive analysis of the property’s income streams to assess the borrower’s ability to meet loan payments effectively.
  • Income-Centric Approval: Prioritizes the rental income generated by the financed property, reducing reliance on the borrower’s personal credit history.
  • Tailored for Income-Producing Properties: Commonly used for financing commercial real estate such as apartment complexes, office buildings, and retail centers, providing a focused approach to investment property financing.

At iFinance Florida, we are dedicated to supporting real estate investors with customized solutions that align with their goals. Trust our DSCR Loan Product to empower your real estate investments with efficiency and expertise.

 

Apply Today!