DSCR Commercial Loan

Financing Made Easy with DSCR Commercial Loans

Quick Closings, Less Hassle, & Competitive Pricing for Commercial Real Estate

550

Minimum Credit Score

Not Calculated

Maximum Debt To Income

75%

Maximum Loan To Value

$75M

Maximum Loan Amount

With 1 Application,130 Mortgage Lenders Will Compete For Your Business

Unlock unparalleled opportunities with a single application. Dive into a competitive marketplace where 130 top-tier mortgage lenders vie to offer you the best terms, ensuring you get the deal you deserve. It’s not just about choice; it’s about empowering you with the best options available.

🔒Does not Affect Credit. No SSN until you’re ready.

For investors and business owners focused on cash-flowing commercial real estate, including apartment buildings and self-storage facilities, Innovative Mortgage is proud to offer our DSCR (Debt Service Coverage Ratio) loan program. This financial product is designed to streamline the borrowing process, focusing on the cash flow generated by the property rather than the personal income of the borrower.

Essentials of Innovative Mortgage’s DSCR Loan Program:

Versatile Use Cases:

Suitable for purchasing new commercial properties or refinancing existing ones, the DSCR program is versatile and adaptable to your strategic investment plans.

Unlimited Cash-Out:

With typically no cap on cash-out, borrowers can unlock the equity in their property for nearly any purpose, from property improvements to expanding their investment portfolio.

Simplified Qualification Process:

Qualification for a DSCR loan relies primarily on the property’s income-generating ability, measured by the Debt Service Coverage Ratio, which compares the property’s annual net operating income (NOI) to its annual mortgage debt service.
Minimum DSCR requirements vary, and Innovative Mortgage will work with you to determine the necessary ratio for your loan scenario.

Reduced Documentation:

This program often requires less documentation than traditional loans, providing a more streamlined application process with fewer hurdles and faster closings.

Flexible Lending Criteria:

Innovative Mortgage understands that each commercial investment is unique. Hence, our DSCR program offers flexible criteria to accommodate various property types and borrower situations.

Applicable Property Types:

The DSCR loan program is suitable for a broad range of commercial properties, including multifamily apartment buildings, self-storage facilities, retail spaces, office buildings, and more.

How a DSCR Loan Can Benefit You:

With the focus on the income your property generates, a DSCR loan can be easier to qualify for, especially if your personal income documentation does not meet traditional lending standards. This loan program can be particularly beneficial for:

Investors looking to expand their real estate holdings.
Owners of stabilized properties seeking competitive refinance options.
Borrowers requiring a quicker, less document-intensive loan process.

Getting Started with Your DSCR Loan:

If you have a cash-flowing commercial property and believe a DSCR loan could be the right fit for your financial needs, Innovative Mortgage is here to help. Our team is equipped to provide detailed information about our DSCR program and assist you in evaluating the best financing strategy for your property.

Contact Innovative Mortgage today to explore the possibilities with our DSCR Loan program, and let us help you leverage your commercial property’s cash flow to its fullest potential.

Pros of DSCR Commercial Loans

Quick Closings

Our DSCR Commercial Loans close quickly, saving you time and hassle.

Minimal Paperwork

Enjoy a streamlined application process with reduced paperwork.

Competitive Pricing

Our DSCR Commercial Loans offer competitive pricing that's close to conventional loans.

Cons of DSCR Commercial Loans

DSCR Requirement

The property's DSCR must meet certain requirements, which can be a challenge for some projects.

Variable LTV

The maximum LTV can vary depending on the property and other factors.

Key Issues That Will Get Early Attention

Understand DSCR

We'll help you understand DSCR and its impact on your loan approval and terms.

Evaluate Property Cash Flow

We'll assess the cash flow of your commercial property to ensure it meets the DSCR requirements.

Review Loan Terms

We'll ensure you fully understand the loan terms, including how variations in LTV can impact your loan.

Discuss Financial Strategy

We'll work with you to discuss your overall financial strategy and how a DSCR Commercial Loan fits into that.

We're Simply Better and Not Just on Price...

We Have More Lenders and More Loan Programs

Diverse Choices, Tailored for You: With a vast array of lenders and loan programs, we ensure a perfect fit for your unique financial needs.

Our Loyalty is To YOU not the lender

Your Interests, Our Priority: Our commitment is to you, not the lenders, ensuring unbiased and dedicated support throughout your mortgage journey.

Non QM, Convert to Cash and Flexible Funding Options Available

Flexible, Innovative Financing: Explore Non-QM loans, easy cash conversion options, and flexible funding solutions tailored for your financial freedom.

🔒No Credit Pull, No Obligation.

Compare For Yourself

Explore the difference that sets us apart in the financial world. See how our innovative services and unmatched benefits distinguish us from the competition, ensuring you make an informed choice.

Lightning Loans

Local Bank Branch

Big Name Online Lenders

Shops Hundreds of Lenders

Scans Thousands of Programs To Find You The Best Available

Is Loyal to Borrowers and Not Lenders

Has Multiple No Tax Return Mortgage Options

Can Show You Conventional and Non QM Options

Multiple 100% Financing Options for First Time Home Buyers

Can Do Hard Money, Bridge Financing and Other Unique Funding Types

🔒No Credit Pull, No Obligation.

You need a tenacious loan officer who has obsessively over-prepared and knows every single trick in the book to secure the ideal mortgage for your unique situation

And that is exactly what you'll find when working with me…

Read What Our Happy Clients Have to Say

Don't Wait, Secure Your Perfect Mortgage Today

"Andres is dependable, reliable and productive to the highest degree. His services will be required by our company in the future, and unequivocally we will be contracting him."

"A true example of a multitasking 24/7 powerhouse with no deal is too small attitude coupled with creative thinking and always open mind!!!"

"Lightning Loans made the mortgage process so easy and stress-free. Their team is knowledgeable and dedicated to providing tailored solutions for each client. I highly recommend them." -

1. Unparalleled Access to Mortgage Options With a Single Application

With a single application, we’ll comparison shop thousands of loan programs across hundreds of lenders.

This includes conventional loans at 130 different sources, FHA loans at 130 different sources, and even bank statement or no tax return options. If a mortgage product exists, we have access to it.

No more wondering if you’re getting the best deal – we’ll make sure of it.

2. Expert Guidance and Outstanding Communication

With over two decades of experience working with clients, I’ve developed a keen sense of what my clients need and when they need it.

It’s almost like having a psychic connection!

I pride myself on putting my clients first and providing outstanding communication throughout the entire mortgage process.

3. A Faster, Easier Path to Perfect Mortgage Loans For Your Specific Situation

Say goodbye to the headaches and hassles of traditional mortgage processes.

With Lightning Loans, you’ll enjoy a streamlined, efficient journey that gets you to your goals faster and with less stress.

You’ve got enough to worry about, let us put your mind at ease with regard to your mortgage financing.

We only request the things that are absolutely necessary

4. The Peace of Mind Knowing You've Made the Right Choice Because You've Seen ALL Your Options

When you work with Lightning Loans, you’re not just getting a mortgage –

You’re getting a partner who is committed to your success.

We’ll go above and beyond to ensure that you’ve made the best possible choice for your unique situation.

These might just seem like words on a page but one conversation with us and it will be abudantly clear to we walk our talk.

Experts at your service.

Meet the experts committed to providing you with exceptional financial solutions

Andres Garcia

Loan Officer

Dedicated, high energy real estate expert that is adept at working with investors and traditional borrowers.

Your Contact

Andrew Kashella

Senior Vice President

Mortgage Industry veteran responsible for thousands of loan originations and billions in closings.

Bryan P. Ehrlich

CEO/General Counsel

Founder, Juris Doctor and Lead Counsel for Innovative Mortgage Services.