Commercial DSCR Loans
Financing Based on Property Cash Flow, Not Personal Income
Commercial real estate investors need financing solutions that align with the performance of their assets. Dynasty Capital Group offers Commercial DSCR (Debt Service Coverage Ratio) loans designed for income-producing properties, allowing borrowers to qualify based primarily on the property’s cash flow rather than personal income.
Whether you’re acquiring, refinancing, or expanding your commercial real estate portfolio, our Commercial DSCR loan programs provide flexible financing tailored to investment properties that generate consistent income.
What Is a Commercial DSCR Loan?
A Commercial DSCR loan is a financing solution that evaluates a property’s ability to generate sufficient income to cover its debt obligations.
Rather than relying heavily on personal tax returns or employment income, lenders focus on the property’s net operating income (NOI), occupancy, and overall financial performance.
This makes Commercial DSCR loans an attractive option for investors, business owners, and sponsors seeking a streamlined approach to commercial real estate financing.
Common Uses for Commercial DSCR Loans
Property Acquisitions
Purchase income-producing commercial properties with financing structured around the property’s cash flow.
Rate & Term Refinancing
Improve loan terms, reduce interest rates, or replace existing debt with a more favorable financing structure.
Cash-Out Refinancing
Access equity from commercial properties to fund renovations, acquisitions, business growth, or portfolio expansion.
Portfolio Expansion
Acquire additional commercial assets while preserving liquidity for future opportunities.
Stabilized Asset Financing
Secure long-term financing for stabilized properties with established income streams.
Why Choose a Commercial DSCR Loan?
Cash Flow-Based Qualification
Loan approval is primarily based on the property’s income and ability to support debt service.
Reduced Documentation Requirements
Many programs require less personal income documentation than traditional commercial loan products.
Flexible Ownership Structures
Financing is often available for properties held in LLCs, partnerships, corporations, and other business entities.
Competitive Rates & Terms
Commercial DSCR programs offer attractive financing options designed for long-term investment ownership.
Scalable Financing
Ideal for investors seeking to acquire and manage multiple commercial properties across a growing portfolio.
How Commercial DSCR Loans Work
Step 1: Property Income Review
Lenders evaluate the property’s income and expenses, including rents, occupancy, operating costs, and net operating income (NOI).
Step 2: DSCR Calculation
The Debt Service Coverage Ratio measures a property’s ability to cover its debt obligations.
A higher DSCR indicates stronger cash flow and typically results in more favorable loan terms.
Step 3: Loan Approval
The property’s financial performance, value, and occupancy levels are reviewed to determine loan eligibility and structure.
Step 4: Closing & Funding
Once approved, financing is provided for acquisition, refinance, or cash-out purposes, allowing investors to execute their business plans.
Eligible Property Types
Multifamily Properties
- Apartment Buildings
- Garden-Style Apartments
- Mixed Multifamily Portfolios
Retail Properties
- Shopping Centers
- Strip Centers
- Single-Tenant Retail
- Multi-Tenant Retail Properties
Office Properties
- Professional Office Buildings
- Medical Office Properties
- Executive Suites
- Multi-Tenant Office Assets
Industrial Properties
- Warehouses
- Distribution Facilities
- Flex Space
- Light Industrial Properties
Mixed-Use Properties
- Retail and Residential
- Office and Residential
- Commercial Mixed-Use Developments
Program Highlights
- Financing for stabilized income-producing properties
- Purchase, refinance, and cash-out options
- Loan amounts from $250,000 to $10,000,000
- Fixed 30-year options available
- Multifamily, retail, office, industrial, and mixed-use properties
- Competitive loan-to-value (LTV) options
- Flexible amortization schedules
Get Started Today
Looking to finance an income-producing commercial property?
Contact Dynasty Capital Group today to discuss your acquisition, refinance, or cash-out financing needs. Our team is ready to help you secure a Commercial DSCR loan that aligns with your investment strategy and property cash flow.