Direct Answer: What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage for real estate investors that qualifies you based on the property's rental income rather than your personal income or tax returns. If the rent covers the mortgage, you likely qualify.
You want to buy a rental property, but your tax returns show too many write-offs, or you're self-employed. Traditional mortgages disqualify you despite your wealth.
The Solution: Cash Flow Funding
DSCR loans ignore your personal DTI (Debt-to-Income). We focus purely on the asset. If the property generates cash flow, it qualifies itself.
How We Help DSCR Loans Explained
Fairly Funded connects you with partners who understand your industry. We look past the FICO score and focus on the health of your business.
Key Use Cases:
- BRRRR Method: Buy, rehab, rent, refinance, repeat.
- Airbnb/VRBO: Short-term rentals often have high DSCRs.
- Portfolio Growth: Scale without income verification bottlenecks.
Frequently Asked Questions
What is a good DSCR ratio? Typically 1.25 or higher is excellent, but many lenders accept 1.0 (break-even) or even lower with higher down payments.
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