Andres Garcia
Loan Officer
NMLS: 2246130
813-847-4199

DSCR Mortgage

Unleashing Investment Potential With DSCR Mortgages

Empowering Investors to Leverage Property Cash Flow for Maximum Returns
640

Minimum Credit Score

Not Calculated

Maximum Debt To Income

80%

Maximum Loan To Value

$15M

Maximum Loan Amount

Pros of DSCR Mortgages

1

No Personal Income Verification

Loan approval is based on property cash flow, not your personal income.
2

Easier Underwriting

Simplified underwriting process makes it easier for investors to qualify.
3

Refinance Opportunities

Great for refinancing properties to extract equity and reinvest.

Cons of DSCR Mortgages

1

Higher Interest Rates

DSCR mortgages often have higher interest rates than conventional mortgages.
2

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

1
Assess Property Cash Flow
We'll thoroughly analyze the property's cash flow to determine loan eligibility.
2
Understand Interest Rates
We'll ensure you fully comprehend the cost implications of higher interest rates.
3
Review Loan Structure
We'll review the loan structure to ensure it aligns with your investment strategy.
4
Explore Other Options
If DSCR isn't right for you, we'll explore other mortgage options that better fit your needs.