Our DSCR loan programs set the standard for financing single-family, multifamily, mixed-use, and rental properties. While final loan terms may vary based on loan type, application details, and risk factors, every loan is assessed using DSCR underwriting guidelines—enhanced with a practical, common-sense approach to ensure flexibility and efficiency for investors.
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Why Investors prefer DSCR Loans
Why Investors prefer DSCR Loans
🔹 DSCR Loans Use Property Cash Flow for Qualification
Sometimes called investment property loans, Non-QM loans, or rental loans, DSCR loans are designed for professional real estate investors. Instead of relying on personal financial history, these loans are underwritten based on the property’s gross rental income.
🔹 Borrow Through an LLC or Entity
Many experienced investors prefer borrowing through an LLC or corporation to protect their identity and other investments. This structure may also provide an added layer of protection for personal assets in case of property-related liabilities.
🔹 Less Documentation Required
DSCR lenders focus on the property’s value, expected cash flow, and the investor’s credit quality. Unlike traditional loans, they typically do not require proof of employment, income, or assets—other than verifying liquid reserves.
Rental Properties
Collateral:
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
LTV:
Purchase:
Up to 80% of the lesser of the Purchase Price or As-Is Value.
Refinance:
Up to 80% of the As-Is Value
Cash-Out:
Up to 75% of the As-Is Value
Amortization Options:
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available
Property Values:
“As Is” Appraised Value Must Be $100k or Greater
(Geographical Restrictions May Apply)
Loan Amount:
$55K – $2M
Debt Service Coverage Ratio (DSCR):
1.15
Minimum FICO:
680
Apartment Loans
Our multifamily investment property loans are designed to offer the financial flexibility and support you need to pursue opportunities, enhance returns, and navigate the evolving real estate market with confidence.
Collateral:
Multi-Family Apartment Buildings (5 + Units)
Terms:
Up to 30-Year Amortization Options Available
Loan Amount:
$100K - $2M
Typical LTV Requirements by FICO Score
Note: Guidelines may vary by lender and property type. Reach out to Vision Capital Solutions to see where your deal fits.
FICO Score
FICO Score
720 +
700 - 719
680 - 699
Maximum Loan to Value
Maximum Loan to Value
Up to 70% of the As-Is Value
Up to 70% of the As-Is Value
Up to 65% of the As-Is Value
Maximum Loan to Cost
Maximum Loan to Cost
Up to 70% of the Loan-to-Cost
Up to 70% of the Loan-to-Cost
Up to 65% of the Loan-to-Cost
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