A Mini DSCR Loan is a smaller-scale version of a traditional DSCR loan, designed for real estate investors to purchase or refinance rental properties without personal income verification, relying instead on the property’s rental income to meet debt coverage requirements (typically a DSCR of 1.0+). These loans are under $150K and are ideal for investors seeking quick, non-owner-occupied financing. However, they often come with higher interest rates and larger down payments (15-25%) compared to conventional mortgages.
A Mini DSCR loan is a game-changer for business purpose investments, offering flexibility and efficiency for real estate investors seeking to expand their portfolio with a limited budget. With a Mini DSCR loan, you can qualify based on the income generated by your investment property, rather than relying on your personal income or employment status. Let’s explore the benefits and requirements of this unique financing solution.
DSCR loans emphasize the performance of the investment property, allowing borrowers to avoid complex personal income documentation. This makes the process quicker and less invasive.
These loans are ideal for self-employed individuals, seasoned investors, or those with non-traditional income sources. Personal income isn’t the focus—it’s all about the property’s cash flow.
Whether you’re buying your first rental property or expanding an existing portfolio, DSCR loans provide scalable solutions tailored to investment growth.
DSCR loans often come with attractive terms, including competitive interest rates and flexible down payment options, making them an excellent choice for long-term real estate investments.
From single-family homes to multifamily properties and commercial real estate, DSCR loans can be used for a wide range of property types.
Drivers License, Passport, etc.
To show enough funds for down payment, closing costs and reserves.
For primary residence (if applicable)
Articles of Incorporation, Operating Agreement, Tax Identification Number, Certificate of Good Standing
A recent quote for the subject property.
A P&L loan can be an excellent fit for investors who:
Ready to leverage the power of a P&L loan to qualify for a mortgage without traditional tax returns? Contact us today to learn how this flexible financing solution can help self-employed individuals and business owners achieve their real estate goals. Let’s turn your business income into homeownership—one step at a time!
A DSCR loan (Debt Service Coverage Ratio loan) is financing based on a property’s income, not your personal earnings. Lenders check if the property’s cash flow (NOI) can cover the loan payments by calculating the DSCR ratio. A ratio of 1.0 or higher means it’s a good fit. Perfect for investors relying on rental income
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A fix & flip loan is short-term financing that lets real estate investors quickly buy a property, fund renovations, and sell it for profit. Unlike traditional mortgages, these loans are all about speed; you get fast approval and funding, but typically pay higher interest rates (often 8-12%).
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ITIN loans provide a path to homeownership for non-U.S. citizens and residents who don’t have a Social Security number (SSN) but have an Individual Taxpayer Identification Number (ITIN). These loans allow borrowers to purchase, refinance, or renovate properties using their ITIN instead of an SSN, making homeownership accessible to immigrants, foreign nationals, and undocumented individuals who pay U.S. taxes.
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Rental property financing that evaluates the property's income potential rather than the borrower's personal earnings. Uses the Debt Service Coverage Ratio. Ideal for building long-term rental portfolios.
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