DSCR Mortgage Loan

A Smarter, Income-Free Way to Finance Real Estate Investments

What is a DSCR Mortgage Loan?

DSCR stands for Debt-Service Coverage Ratio. It’s a measure of how well a property’s income covers its expenses—specifically the mortgage payment.

A DSCR loan is a mortgage that qualifies you based entirely on the cash flow of the property you’re purchasing or refinancing. That means:

No personal income verification
No tax returns or W-2s required
No employment documentation needed

If the property pays for itself, you’re in a strong position to be approved.

How DSCR is Calculated?

DSCR is a simple formula:

DSCR = Gross Monthly Rent / Monthly Mortgage Payment

- A DSCR of 1.0 means the property breaks even (it earns what it costs)
- A DSCR above 1.0 means the property is cash-flow positive
- Some lenders accept DSCRs below 1.0 depending on your credit, assets, and reserves

At Mbanc, we offer flexible DSCR guidelines based on your full financial picture—even if we’re not underwriting your personal income.

Who is a DSCR Loan For?

DSCR loans are ideal for:

Real estate investors purchasing or refinancing rental properties
Self-employed borrowers who want to avoid tax return underwriting
1099 contractors and freelancers with variable or complex income
Business owners building wealth through real estate
High-net-worth individuals seeking leverage without disclosing personal income

If your goal is to grow your portfolio, create passive income, or refinance for equity—all without jumping through hoops—a DSCR loan gives you a faster, more efficient path forward.

Property Types You Can Finance

With a DSCR mortgage loan from Mbanc, you can finance:

Single-family rentals
2-4 unit properties
Condos and townhomes
Short-term and vacation rentals (Airbnb/VRBO)
Non-warrantable condos and mixed-use properties (in some cases)
Refinance existing properties with or without cash out

The Benefits of a DSCR Mortgage Loan

1. No Income Documentation Required
No tax returns, W-2s, pay stubs, or employment verification. The loan is based on property performance, not your personal profile.

2. Fast Approvals and Closings
Without the need to verify personal income, the approval process is significantly faster and more streamlined. You can go from application to closing in as little as 21–30 days.

3. Ideal for Portfolio Growth
Buy more properties without increasing your DTI. DSCR loans allow you to scale your real estate holdings more efficiently than traditional financing.

4. Available for New and Experienced Investors
Whether this is your first investment property or your fifteenth, DSCR financing gives you flexible leverage without adding friction to the process.

5. Access Equity Without Selling
Cash-out refinancing is available with DSCR loans. Tap into your property’s equity to reinvest in new opportunities—without selling, triggering capital gains, or repatriating funds if you’re a cross-border investor.

Why Choose Mbanc?

Mbanc is not just another lender offering DSCR as an afterthought. It’s a core part of our Non-QM lending expertise, and we’re built to serve clients with complex, high-performance financial lives.

We work with:

Entrepreneurs and investors with limited time
Borrowers who value privacy and discretion
Clients who want to qualify without hassle and close with confidence

We offer:

Flexible DSCR minimums
Cash-out options up to $3 million
Interest-only and ARM structures
Funding in as little as 3 weeks
Nationwide programs with no personal income requirements

Our process is designed to help you move fast, invest strategically, and grow your portfolio without compromise.

You Built the Portfolio. Let It Fund the Next Move.

If you’re an investor, your properties are your business. The DSCR mortgage loan is the financing tool that respects that reality—one that lets your assets speak for themselves. No more being turned away for having smart tax strategies. No more delays from underwriters who don’t understand real estate. Just a direct, intelligent path to getting deals done. Contact Mbanc today to learn how a DSCR loan can help you purchase or refinance your next property with speed, certainty, and confidence.

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