Finance Your Investment Property Dream with DSCR Loans – Purchase or Refinance
Why Choose Us?
✅ Tailored for Investors: DSCR loans focus on the property’s cash flow, not your personal income.
✅ Flexible Terms: Competitive rates and terms designed for investment properties.
✅ Fast Approvals: Streamlined process to get you funded quickly.
✅ Purchase or Refinance: Whether you’re expanding your portfolio or optimizing your current investments, we’ve got you covered.
1. Apply Online: Fill out our quick form – it only takes 2 minutes!
2. Get Pre-Approved: Receive a decision fast, so you can move forward with confidence.
3. Close and Fund: We’ll handle the details so you can focus on your investment goals.
What is a DSCR Loan?
A DSCR loan is specifically designed for investment properties. Instead of focusing on your personal income, lenders evaluate the property’s ability to generate enough rental income to cover the mortgage payments. This makes it an ideal solution for real estate investors.
Who Is This for?
- Real estate investors looking to purchase a new rental property.
- Investors seeking to refinance an existing property to lower payments or cash out equity.
- Anyone building a portfolio of income-generating properties.
What You’ll Need:
- Property details (address, purchase price, or current value)
- Rental income information (existing or projected)
- Basic personal information
Get Started Today!
Your Next Investment Property is Within Reach.
Testimonials:
“Working with Sound Lending Team was a game-changer for my real estate portfolio. The DSCR loan process was smooth, and I was able to close on my new rental property in record time!” – Sarah T., Real Estate Investor
“I refinanced two of my rental properties with Tommy at Sound Lending Team and saved thousands. Highly recommend their DSCR loan program!” – Mike R., Experienced Investor
Don’t Wait – Grow Your Portfolio Today!
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The main benefit of a DSCR loan is that it is based on borrower credit and property cash flow, not the borrower’s personal income. DSCR loans are considered to be “low-doc” loans in comparison to conventional loans which require more documentation in order to proceed with the loan.
A conventional loan is often difficult for Real Estate Investors to achieve as they require specific guidelines in order to meet the criteria of Fannie Mae and Freddie Mac. However, a conventional loan is appealing to those who qualify as they may be able to receive a lower interest rate.
Yes, you must have a minimum FICO score of 640. Your interest rate will be determined by your credit score.
The maximum LTV for purchases is 80%, Cash-Out is 75%. Your LTV will vary based upon your creditworthiness, property location, and the property’s DSCR ratio.
Yes, up to 8 units.
Yes, there is a 6 months seasoning period for cash-out. There is no seasoning requirement for rate-and-term refinance.
We offer loans on a wholesale basis from lenders, and therefore can offer the best rates available in the market, making the total loan cost lower for you.