DSCR Rental Investment Mortgage

Qualify with Confidence: DSCR program caters to real estate investors, offering qualification based on rental property cash flow.

DSCR Jumbo Rental Investment Program Highlights

Loan Amounts Up To $3.5 Million.
Unlimited Refinance Cash Out Up to $3 Million.
Qualify Using Short Term & Long Term Rental Income.
Single Family Residence, Condo, Condo-Tel, and 1-8 Units
Minimum 660 FICO Score to Qualify
No W-2s, Pay Stubs, Or Tax Returns Required.
Short Term Rental Analysis Powered By STR Verifi*

What is a DSCR Investment Rental Jumbo Mortgage?

There are no income requirements for a DSCR mortgage. Unlike conventional loans that hinge on your personal income and debt, a DSCR loan evaluates your property’s projected rental income as the primary qualifying factor. Whether you’re a prospective property owner, a real estate investor, or an entrepreneur seeking to tap into the real estate market, this innovative loan option grants you unprecedented flexibility and seamless financing.

Ready To Make the Call?
Connect with a MBANC Loan Officer Today

Embrace the possibilities of enhanced mortgage financing as a self-employed individual. Discover how a DSCR Mortgage can provide you with the tailored financing solution you need.

Experience The MBANC Difference

Such a great experience with the mbanc team. When our other bank failed to honor the terms they quoted, with a very short escrow deadline looming, mbanc came through and funded by the promised close date. I would highly recommend using them for your home purchase.

Amazing service. Zack and Lateefah were incredible, we went from applying to closing in 11 days (yes, 11 days), which is almost unbelievable considering that the whole process usually takes 30 days minimum, but more often 45 to 60 days. Great communication too, they were available for us almost 24/7 and there has never been a single moment during the process in which we were left without updates. I highly recommend them to whoever has clear ideas on what they want and need a tailored solution with quick results.

I just had my loan funded. The deal took a while but not because of the Bank but because I have a complicated scenario. If you have a complicated scenario than you are with the right Bank. They spent the time to figure it out not just walk away. The owners care about every customer and every deal. This will be my choice even when my life gets a little less complicated. There is no price for service and business that provide great service when you need it. Five stars just are not enough for the service. Be patient and listen to their guidance.

It is in deed a joy and pleasure to rate Mbanc with a 5 star review. Jason Rod was our loan executive and we cannot say enough of our appreciation for Jason, his character, professionalism, patience and kindness. From day 1 Jason was with us every step of the way, from approval on our different scenarios, while reminding us to be financially responsibility. Nights, weekends, vacations and early mornings Jason would always work the numbers on the many different scenarios we put his way and be available any time. We are so confident in moving forward with this final scenario with cash refinance and second home (primary purchase).

I am not sure where to begin with saying Mayer, Alan and their entire team are the best in the business. Being a realtor in this industry I know several loan officers and I can assure you there is no one better to use for your next purchase! I have personally purchased several homes for myself in the past several years. Mayer and his team go above and beyond in all aspects. They work endless hours to make sure everything is done with perfection and on time. They have constant communication to make sure everyone is on the same page. It really has been a wonderful experience and I will be using them again for another purchase soon!

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Frequently Asked Questions

What is a DSCR Loan?

A debt service coverage (DSCR) loan is one that qualifies borrowers through an investment property’s cash flow rather than the borrower’s income. DSCR loans — also known as investor cash flow loans — are frequently used by real estate investors to qualify for mortgages and buy investment properties.

How Do Lenders Calculate DSCR for a Mortgage Loan?

Lenders calculate DSCR by taking the estimated monthly rental income from your property and dividing it by the monthly debt you currently have. This allows lenders to evaluate whether or not you’re able to pay your mortgage payment along with your other debts.

What is the DSCR Loan Minimum Down Payment?

Real estate investors looking to use a DSCR loan to qualify can use as little as 20% down. Our minimum down payment of 20% is based on other qualifying factors like credit score, loan amount, and DSCR calculation.

What are the benefits of a DSCR Mortgage?

Different eligibility requirements. DSCR loans use the rental income from a property, rather than the borrower’s income to qualify. This means that they can buy an investment property even if their income makes them ineligible.
No limit to the number of loans. There is a limit to how many rental properties a borrower can buy with Conventional mortgages, but they can generally take out as many DSCR loans as they want.
Quicker closing. DSCR loans may have quicker closing times than Conventional mortgages because of simplified documentation.
No employment verification. Because the borrower’s income is not used to qualify for a DSCR loan, there is no employment verification required.