DSCR Mortgage

Unleashing Investment Potential With DSCR Mortgages

Empowering Investors to Leverage Property Cash Flow for Maximum Returns

Minimum Credit Score

Not Calculated

Maximum Debt To Income


Maximum Loan To Value


Maximum Loan Amount

DSCR Mortgage Program

The DSCR (Debt Service Coverage Ratio) Mortgage Program is a specialized financing solution offered by Innovative Mortgage, designed specifically for investment or non-owner-occupied properties intended for business purposes only. This program is ideal for experienced real estate investors who are looking to purchase or refinance rental properties based on the property’s cash flow rather than personal income.

Key Features:

  • Loan Purpose: Non-owner occupied, available for both purchase and refinance loans.
  • Minimum Loan Amount: $100,000 with varying maximum amounts based on property type and number of units.
  • Loan-to-Value (LTV): Generous LTV limits with specific terms depending on the loan amount requested.
  • Investor Requirement: Borrowers must have a history of owning and managing commercial or residential real estate for at least 12 months within the last 3 years.
  • DSCR Calculation: The program qualifies transactions based solely on cash flow from the subject property. The DSCR ratio is determined by dividing the property’s gross rental income by the total debt service including current obligations.
  • Credit Score: Minimum credit score requirements apply.
  • Property Restrictions: Urban-centered properties preferred, with a maximum of 2-acres for rural properties.
  • Manual Underwriting: All loans are underwritten manually, ensuring a personalized assessment.
  • No Employment or Income Reporting: Employment and income are not required on the loan application.
  • Prepayment Penalties: Prepayment penalties are required on DSCR transactions, with certain conditions.

Documentation Requirements:

  • A complete application including borrower and property details.
  • Business Purpose & Occupancy Affidavit signed by all borrowers.
  • 1-4 Family Rider/Assignment of Rents form.

For detailed program guidelines and to see the DSCR matrix for maximum loan amounts and LTVs, please contact Innovative Mortgage. Our team is committed to guiding you through every step of the investment loan process and ensuring that you get financing tailored to your investment strategy.

Interested in leveraging the cash flow of your rental properties? Reach out to Innovative Mortgage for a customized DSCR Mortgage solution!

Pros of DSCR Mortgages


No Personal Income Verification

Loan approval is based on property cash flow, not your personal income.

Easier Underwriting

Simplified underwriting process makes it easier for investors to qualify.

Refinance Opportunities

Great for refinancing properties to extract equity and reinvest.

Cons of DSCR Mortgages


Higher Interest Rates

DSCR mortgages often have higher interest rates than conventional mortgages.

Property Must Cash Flow

If the property doesn't generate enough income to cover the mortgage, you may not qualify.

Key Issues That Will Get Early Attention

Assess Property Cash Flow
We'll thoroughly analyze the property's cash flow to determine loan eligibility.
Understand Interest Rates
We'll ensure you fully comprehend the cost implications of higher interest rates.
Review Loan Structure
We'll review the loan structure to ensure it aligns with your investment strategy.
Explore Other Options
If DSCR isn't right for you, we'll explore other mortgage options that better fit your needs.