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Investor & DSCR Financing
Discuss investment-property financing and how a lender may assess rental cash flow.
๐ข THE BASICS, SIMPLY EXPLAINEDKnow the starting points.
- ๐ฐ Down payment
- Lender-specific; 20% is a planning illustration
- ๐ Credit score
- Lender-specific, ask for the current minimum
- ๐งฎ Debt-to-income (DTI)
- Rental cash-flow coverage may be used instead of personal DTI
In simple terms
A 20% illustration is $20,000 down for every $100,000 of purchase price. It is not a quoted program minimum.
DSCR means debt service coverage ratio. It compares qualifying rental income with the propertyโs qualifying payment or expenses under the lenderโs method. The lender sets the required ratio and other criteria.
General guidance, not approval criteria for every lender. Credit, property, income, reserves, and program availability are reviewed together.
Understand DP, credit score, and DTI โWHO IT MAY SUITStart with your scenario.
For real estate investors reviewing a purchase or refinance of an eligible investment property.
What to discuss
- Bring the property address, purchase price or loan balance, and lease or rent information.
- Discuss how the lender assesses rental income against the required property debt service.
- Review down payment or equity, reserves, title or entity documents, and any prepayment terms.
Does rental income alone guarantee approval?
No. The lender still evaluates the borrower, property, credit, funds, and program requirements. DSCR definitions and qualifying rules vary.
How do I get a personalized review?
Tell us your goal and property state, then use the application portal if you are ready to provide the required information. Availability and approval depend on lender requirements and applicable licensing.
Read official borrower guidance โ