Investment Property Loans Based on Cash Flow
If you’re buying or refinancing income-producing real estate, we can help you secure financing that qualifies based on the property's ability to pay for itself rather than your personal income. This makes it easier for investors to move fast, unlock equity, and grow their portfolios.
Instant DSCR Calculator
Enter your estimated rent, taxes, insurance, HOA, and loan details below to calculate your DSCR ratio. The tool will estimate your monthly payment and loan-to-value. It will also show your qualification tier and compare refinance versus purchase scenarios.
👉 Run the numbers before you apply.
DSCR Calculator
DSCR = Gross monthly rent ÷ Total monthly payment (P&I + insurance + taxes + HOA).
Gross Income
Enter the monthly lease rent.
Quick Qualifiers
Scenario
Purchase mode uses Price/Value and Down Payment to calculate loan amount.
Loan Details
Interest Only
Some investors choose interest-only to lower the monthly payment, improve DSCR, and preserve cash flow while they stabilize rents or plan to refinance or sell later.
Monthly Expenses
What is a DSCR loan?
Available for: purchases, rate & term refinances, cash-out refinances, long-term and short-term rentals
A Debt Service Coverage Ratio (DSCR) loan is designed specifically for real estate investors. Instead of focusing on your W-2 or tax returns, lenders look at the rental income a property generates compared to the proposed mortgage payment. If the income covers the loan payment and expenses, you can qualify - even if your personal income isn’t traditional.
In short:
DSCR =
Rental Income / Debt Service
If the property’s income covers or exceeds its debt service, you’re in a strong position to qualify.
Why This Matters for Investors
How we Handle
Our comprehensive process ensures a seamless journey from initial consultation to successful loan approval. Experience personalized guidance and expert support every step of the way.
Application
Start by filling out our easy online application form. Provide basic information about yourself and your financial needs.
Documentation
Upon approval, you'll receive clear instructions on the required documentation. this may include income verification.
Approval
Once your application is reviewed, we aim to provide swift approval decisions. Our goal is to get you approved quickly, efficiently, and confidently.
Funding
After your documentation is verified and finalized, we initiate the funding process. Funds are typically deposited.
Jack M
Investor
I've been working with this team for over a year, and their service always exceeds expectations. Their professionalism, deep financial insight, and consistent support make every consultation valuable. My finances have never been more organized and goal-focused. I fully trust them with my financial planning needs.
Ready to Get Started?
NMLS 2623919 • DRE 2317212 • NMLS 1566096 • DRE 02022356
Equal Housing Lender
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