1-4 Family DSCR Loans
Investor Financing Based on Rental Income, Not Personal Income
Looking to purchase or refinance an investment property? Dynasty Capital Group offers 1-4 Family DSCR (Debt Service Coverage Ratio) loans designed specifically for real estate investors. Instead of focusing on your personal income, these loans primarily qualify based on the property’s rental income and cash flow.
Whether you’re financing a single-family rental, duplex, triplex, or fourplex, our DSCR loan programs provide a flexible alternative to conventional financing.
Why Choose a DSCR Loan?
No Personal Income Verification
No tax returns, W-2s, pay stubs, or employment verification required in most cases.
Qualify Using Property Cash Flow
Loan approval is based primarily on the property’s rental income and its ability to cover the mortgage payment.
Expand Your Portfolio
Continue growing your investment portfolio without traditional debt-to-income (DTI) restrictions.
Streamlined Underwriting
Reduced documentation requirements often result in a faster and more efficient loan process.
Flexible Property Types
Finance a variety of residential investment properties, including:
- Single-Family Rentals (SFRs)
- Condominiums
- Townhomes
- Duplexes
- Triplexes
- Fourplexes
How DSCR Loans Work
A Debt Service Coverage Ratio (DSCR) measures a property’s ability to generate enough rental income to cover its mortgage payment.
DSCR Formula
DSCR = Monthly Rental Income ÷ Monthly Housing Expense
A DSCR greater than 1.00 indicates the property generates enough income to cover its debt obligations.
Example
Monthly Rental Income: $3,000
Monthly Mortgage Payment (PITI): $2,500
DSCR: 1.20
In this example, the property generates 20% more income than is needed to cover the monthly mortgage payment.
Common Uses for DSCR Loans
Purchase Financing
Acquire rental properties without relying on personal income documentation.
Rate & Term Refinancing
Lower your interest rate or improve loan terms on existing investment properties.
Cash-Out Refinancing
Access equity from your investment properties to fund renovations, acquisitions, or other investment opportunities.
Portfolio Expansion
Scale your real estate holdings efficiently with investor-focused financing solutions.
Program Highlights
- Loan amounts from $100,000 to $5,000,000
- 30-year Fixed-rate options available
- LLC and business entity ownership permitted
- Short-term rental eligibility available on select programs
- First-time investors considered
- No limit on the number of financed properties with many programs
Who Is a DSCR Loan Best For?
DSCR loans are ideal for:
- Real estate investors
- Self-employed borrowers
- Business owners
- Portfolio landlords
- Investors with complex tax returns
- Borrowers seeking an alternative to conventional financing
Why Work with Dynasty Capital Group?
At Dynasty Capital Group, we understand real estate investing because we work with investors every day. Our team specializes in identifying financing solutions that align with your investment strategy, whether you’re acquiring your first rental property or expanding a large portfolio.
Get Started Today
Ready to finance your next investment property?
Contact Dynasty Capital Group today to discuss your financing needs and explore available 1-4 Family DSCR loan options. Our team is ready to help you leverage rental income and grow your real estate portfolio.