If you’ve been investing in real estate for a while, you know the drill with traditional lenders: endless pay stubs, tax returns, employment letters—the works. DSCR (Debt Service Coverage Ratio) loans throw all that out the window. Instead, we ask one straightforward question of investors: does rent cover the mortgage?
But honestly, that’s just scratching the surface. What makes DSCR loans really powerful is how well they work with the way you’re probably already running your business.
Got your properties in an LLC? Perfect. Holding some of your wealth in crypto? No problem. Bringing in investment capital from overseas? We’re fine with that too. LendSure’s DSCR program understands that serious investors don’t fit into neat little boxes—and we’ve built their lending around that reality.
The Corporate Advantage: Why Real Estate Investors Close DSCR Loans
When you combine LLC ownership with DSCR financing, you’re setting yourself up for real growth. As you add properties to your portfolio, you won’t hit the walls that stop most investors: those frustrating debt-to-income calculations or endless paperwork proving where you work and what you earn.
Immediate Asset Protection – Unlike conventional mortgages that often require personal ownership initially, LendSure’s DSCR lenders prefer to close loans directly in your business entity from day one. You can purchase investment properties in your LLC name immediately, avoiding the complicated post-closing transfers that some financing options require.
Unlimited Portfolio Growth – LendSure allows investors to finance up to 10 properties at a time and supports ownership of unlimited investment properties overall. As your LLC portfolio grows, DSCR lenders don’t require extensive documentation on other properties beyond confirming that mortgages are current.
This means you can close multiple DSCR loans simultaneously. For example, you could process a cash-out refinance on one property and a new purchase on another at the same time, without the potential delays that plague conventional financing.
Streamlined Repeat Process – The underwriting process remains the same fast and easy approach from your first loan to your tenth. LendSure doesn’t add complexity or slow down as your portfolio scales, making it simple to continue growing your real estate business efficiently.
Funding Reserves with Digital Assets: The Crypto Option for DSCR Loans
One of the most surprising and forward-thinking features of LendSure’s DSCR Loan is the acceptance of alternative assets for meeting reserve requirements.
DSCR lenders typically require that you prove you have enough liquid assets (reserves) to cover a certain number of months of mortgage payments.
While cash and traditional brokerage accounts are standard, LendSure’s DSCR program offers unparalleled flexibility by allowing investors to use cryptocurrency for reserves.
This flexibility is essential for investors who hold significant wealth in digital assets and want to leverage that capital for real estate without having to liquidate their positions into traditional cash.
Rather than forcing a taxable event by converting crypto to fiat currency, investors can now demonstrate their financial strength using their existing digital asset holdings, whether those assets are held personally or within their LLC structure.
Recognition of crypto holdings is exclusive to LendSure. LendSure pioneered the recognition of crypto holdings for DSCR loan reserves. If you’ve been frustrated by lenders who won’t recognize your crypto holdings as legitimate reserves, you finally have an option that works with how you actually manage your money.
Global Investment Made Easy: DSCR Loan Guidelines for Foreign Nationals
If you’re investing from outside the U.S. and want to buy American rental properties, LendSure’s DSCR loans make it surprisingly straightforward. There’s no need to translate foreign tax documents or verify income from your home country. Foreign nationals with the right assets and an American visa (permanent or non-permanent residency, see FAQs) can qualify based solely on what the property will earn in rent.
The requirements are simple and make sense for international investors. You’ll need to move your down payment and closing costs into a U.S. bank account—which typically lines up perfectly if you’ve set up a U.S. LLC to hold your properties. But here’s the good news: your reserve funds (the money you need to show you have in the bank) can stay in your home country. No need to move everything across borders just to satisfy paperwork requirements.
It’s a practical setup that works for both sides. LendSure gets the closing funds we need in U.S. accounts, and you don’t have to deal with the hassle and expense of transferring all your capital internationally.
Fallout Rescue: When Other Lenders Can’t Close Your Deal
If another lender can’t close your loan, whether it’s an underwriting issue, a guideline technicality, or some last-minute complication, LendSure can often step in and save the deal.
We will accept transferred appraisals so you don’t have to start from scratch and pay for a new one. We apply common-sense underwriting that looks at the full picture of your situation rather than rigidly applying checkboxes. We’re talking about loans closing in days, not weeks or months.
In qualifying situations, we work rapidly to keep closings on track — often far faster than traditional timelines. Results depend on property type, documentation, and borrower profile.
Properties move quickly. Sellers may not extend deadlines. When financing delays threaten a valuable opportunity, having a reliable backup option with LendSure can make all the difference.
Why LLC and DSCR Flexibility Matters for Scaling Your Real Estate Portfolio
Our DSCR program gives you the flexibility you need to actually grow your portfolio. It works with LLCs, accepts cryptocurrency for reserves, and welcomes international investors—all facets of growth that may make traditional lenders nervous.
The combination of entity-friendly lending, alternative asset recognition, and global accessibility creates a financing solution designed for how modern investors actually operate.
Whether you’re structuring properties for liability protection, diversifying into digital assets, or bringing international capital into U.S. real estate, we’ve built our program to support your strategy rather than force you into outdated lending boxes.
Curious what financing options might support your next acquisition? Let’s walk through your scenario together. Contact us for clarity on what’s possible.
Frequently Asked Questions
Can I use cryptocurrency for reserves on a DSCR loan?
Yes, LendSure’s DSCR program allows investors to use cryptocurrency holdings to satisfy reserve requirements. This means you can demonstrate financial strength without liquidating digital assets and triggering taxable events.
Do I need to be a homeowner to qualify for a DSCR loan?
No. Primary home ownership is not a requirement in LendSure’s guidelines. Borrowers must sign an Intent Not to Occupy certification documenting the property is an investment property at loan closing.
What are the reserve requirements for DSCR loans?
Reserve requirements vary based on the loan scenario, but investors should expect to demonstrate liquid assets covering several months of mortgage payments. Cash, traditional brokerage accounts, and cryptocurrency can all be used to meet these requirements with LendSure.
Can foreign nationals qualify for DSCR loans?
Yes, foreign nationals can qualify for DSCR loans without providing foreign income documentation or tax returns. Cash needed to close the loan must be in a U.S.-domiciled account, but reserve funds can remain in foreign accounts, reducing cross-border transfer complexity. Some visas accepted by LendSure:
- E-2 Visa: For investors or entrepreneurs who are coming to the U.S. to develop and direct a business.
- H-1B Visa: For individuals in specialty occupations, often used by professionals like engineers, IT specialists, and scientists.
- L-1 Visa: For employees transferring within the same company to a U.S. office.
- O-1 Visa: For individuals with extraordinary ability in their field, such as arts, sciences, education, or athletics.
- TN Visa: For professionals from Canada or Mexico under NAFTA.
- Other Work or Investor Visas: There are other visa types that may qualify, such as the Laser Visa, depending on the lender’s specific guidelines.
What is the maximum loan-to-value (LTV) ratio for DSCR loans?
The maximum LTV is 80%, though 75% is more common and represents the maximum for first-time investors in many cases. Lower LTV ratios may allow for more favorable terms or lower DSCR requirements.
Can I have a DSCR ratio below 1.0?
Yes, LendSure allows DSCR ratios as low as 0.75 at lower LTV ratios. This means the property’s rental income can be less than the mortgage payment, and you can still qualify if you meet other requirements and accept the lower leverage.
How many units can a property have for DSCR financing?
DSCR loans can finance properties with up to 10 units, accommodating everything from single-family rentals to small multifamily apartment buildings. This flexibility allows investors to scale from residential properties into commercial-style multifamily assets.
Can I close multiple DSCR loans at the same time?
Yes, LendSure can close multiple loans for the same investor simultaneously. For example, you could process a cash-out or re-finance on one property and a purchase loan on another property at the same time, accelerating your portfolio growth.
Do DSCR loans work for short-term rentals like Airbnb?
Yes, we offer DSCR loans for investors in short-term rental properties. We accept AirDNA® reports and work with appraisers experienced in short-term rental valuation to produce appropriate rental income projections for qualification.
How is rental income calculated for DSCR loans?
For vacant or recently renovated properties, lenders use Form 1007 (rent schedule) from the appraisal, where the appraiser estimates market rent. For occupied properties, lenders typically use the lower of the existing lease amount or appraised market rent. The DSCR is calculated by dividing monthly rental income by the monthly mortgage payment.
What loan terms are available for DSCR loans?
LendSure offers 30-year fixed-rate loans, 40-year interest-only loans (10 years interest-only followed by 30-year amortization), and 30-year interest-only loans (10 years interest-only followed by 20-year amortization). Qualification is based on the interest-only payment amount, providing maximum flexibility.
What types of properties qualify for DSCR loans?
Single-family residences, multifamily properties up to 10 units, condos, non-warrantable condos, and even condo-hotels can qualify for DSCR financing. The key requirement is that the property must be non-owner-occupied and used for investment purposes.
