DSCR Loans
Unlock the power of real estate investing with DSCR Loans from Richmondmortgages designed for property investors who qualify based on rental income, not personal income. Build, grow, and scale your portfolio with flexible, fast, and hassle-free financing.
Let Property Cash Flow Qualify You
When your rental income tells the real story, a DSCR Loan from Richmondmortgages lets you qualify based on property performance — not just your personal income. Ideal for real estate investors, DSCR (Debt Service Coverage Ratio) Loans let you unlock financing by proving that your property generates enough net operating income to cover debt payments. Say goodbye to heavy income documentation, and hello to financing built for investors.
Why Choose a DSCR Loan with Richmondmortgages?
Income by Property, Not W-2s — Qualification is based on the property’s cash flow, not your tax returns.
Flexible for Investors — Perfect for multi-unit, rental, or investment properties.
Streamlined Documentation — Less emphasis on personal income verification, more focus on property financials.
Growth-Friendly Structure — Use DSCR financing to expand your portfolio when conventional rules don’t fit.
How the DSCR Process Works with Richmondmortgages
Pre-Qualification & Cash Flow Estimate
We review projected rental income, expenses, and the property’s net operating income to estimate your DSCR.Document Submission & Property Review
You provide rent rolls, expense statements, lease agreements, and proof of property value.Underwriting & DSCR Calculation
We compute your DSCR (Net Operating Income ÷ Debt Service) to ensure the property meets lender thresholds.Offer & Terms Tailoring
Based on the property’s performance, we present terms—interest rate, down payment, loan amount, and structure.Closing & Loan Funding
After approval and final checks, we close the loan, fund the purchase or refinance, and set you up to manage the property.Ongoing Monitoring & Portfolio Support
We support you with loan servicing, DSCR maintenance, and scaling strategies as your investment portfolio grows.
DSCR Loans FAQs You Should Know
Ans: It’s a ratio that measures how well your property’s income (after expenses) covers the loan’s debt service (principal + interest).
Ans: Many lenders look for DSCRs around 1.0 to 1.25, though acceptable thresholds vary by risk and scenario.
Ans: Credit is considered, but DSCR loans allow more flexibility because property performance is the primary qualifying factor.
Ans: No — DSCR loans are typically for investment properties only, not primary residences.
How It Works
Let Us Help You Grow Your Real Estate Portfolio with Confidence
Investing in real estate should be about opportunity—not obstacles. At Richmondmortgages, our DSCR (Debt Service Coverage Ratio) Loans make it simple for investors to qualify based on property income instead of personal income. Whether you’re expanding your portfolio or refinancing an existing property, our streamlined process helps you secure the right loan fast and stress-free.
Step 1
Evaluate Your Investment Property
We start by reviewing your property’s rental income, expenses, and market potential. Our experts assess how well your property’s cash flow supports the loan, giving you a clear picture of your eligibility.
Step 2
Customize Your Loan Structure
Every investor has unique goals. We’ll help you choose the ideal loan term, down payment, and repayment strategy based on your property’s performance—ensuring your financing fits your growth plan perfectly.
Step 3
Get Approved & Funded Quickly
Enjoy a fast, transparent approval process with minimal documentation. Once approved, you can access funds quickly so you can close deals and expand your real estate portfolio without delay.
Step 4
Build, Scale & Profit
Use your DSCR loan to acquire new properties, refinance existing ones, or increase your rental income potential. With Richmondmortgages, your investments work smarter—and your portfolio grows stronger.