Fast & Hassle-Free DSCR Loans for Commercial Properties
Finance rentals based on property cash flow — not your tax returns.
- Loan amounts up to $3 million
- Fast approvals with minimal conditions
- Common-sense lending approach – we make exceptions to our own guidelines
- Up to 85% Loan to Value
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Fast and hassle-free DSCR loans for your investment properties.
Loans based on the property’s monthly cash flow.
How to Calculate DSCR
Investment Loans Tailored for
Real Estate Investors
No Tax Returns Needed
We underwrite based purely on the property’s cash flow — no personal tax documents required.
Flexible Terms for Deals
No maximums for investment properties owned or financed. Will consider rural properties.
Lower Monthly Payments
Take advantage of a 10-year interest-only option (on a 40-year term) to maximize your cash flow.
Flexible DSCR Requirement
DSCR ratios drive pricing. Most are + 1.0 and that is where pricing is most favorable. Ratios can be as low as .25.
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Investment loans designed with
you in mind.
No Tax Returns
No tax returns? No problem! We qualify you based on your property’s cash flow.
Flexible Terms
Finance up to 10 investment properties at once when you partner with us.
Lower Monthly Payments
Opt for a 10-year interest-only period to help increase your cash flow.
Investment loans designed with
you in mind.
No Tax Returns
No tax returns? No problem! We qualify you based on your property’s cash flow.
Flexible Terms
Finance up to 10 investment properties at once when you partner with us.
Lower Monthly Payments
Opt for a 10-year interest-only period to help increase your cash flow.
Program Highlights
- Close multiple loans for the same investor at the same time
- No limit on the number of properties owned and can finance greater than 10 properties for 1 investor
- Rate buydown feature available
- Maximum loan amounts up to $3,000,000
- Cash-Out up to $500,000 – exceptions made to $3,000,000
- DSCR Ratios as low as .75 – exceptions made to .25
- FICO as low as 660
- Loan-to-Value up to 75% for Purchase
- Loan-to-Value up to 70% for Rate & Term Refinance
- Loan-to-Value up to 65% for Cash-out Refinance
Investor Cash Flow Commercial DSCR Loans
- Close multiple loans for the same investor at the same time
- No limit on the number of properties owned and can finance up to 10 properties for 1 investor
- Condotels and Non-Warrantable condos allowed (up to 75% LTV)
- Rate buydown feature available
- Loan amounts up to $3,000,000
- Cash-Out up to $500,000
- DSCR Ratio as low as .75.
- FICO as low as 660
- Close multiple loans for the same investor at the same time
- No limit on the number of properties owned and can finance greater than10 properties for 1 investor
- Condotels and Non-Warrantable condos allowed (up to 75% LTV)
- Rate buydown feature available
- Maximum loan amounts up to $3,000,000
- Minimum loan amounts as low as $75,000
- Cash-Out up to $500,000 – exceptions made to $3,000,000
- DSCR Ratios as low as .75 – exceptions made to .25
- FICO as low as 660
1-4 Unit Properties
- Loan-to-Value up to 85% for Purchase
- Loan-to-Value up to 80% for Rate & Term
- Loan-to-Value up to 75% or Cash-out Refinance
5-10 Unit Properties
- Loan-to-Value up to 75% for Purchase
- Loan-to-Value up to 70% for Rate & Term Refinance
- Loan-to-Value up to 65% for Cash-out Refinance
DSCR Loan Pricing,
Simplified With LendDSCR
DSCR Loan Pricing,
Simplified With Lendy
Lendy is our smart, always-on digital assistant built just for DSCR loans. Whether you’re buying a rental, refinancing, or expanding your portfolio, Lendy helps you explore the right loan options, based on your scenario, in minutes.
Have a question?
We have the answers.
How is a DSCR calculated?
The Debt Service Coverage Ratio (DSCR) is calculated by dividing gross rents by PITIA (Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of over 1.0 means that there is sufficient cash flow to cover the debt service/loan payments. A DSCR under 1.0 means that there is not enough cash flow to cover the debt service.
How is income evaluated in a DSCR loan?
LendSure’s DSCR program focuses on the property cash flow, so no other income documents are required.
How is the rental income verified?
Rental income is verified by the lower of gross rents on the lease agreement OR either the Form 1007 Rent Survey completed by the appraiser, or for multi-unit dwellings, the Form 216 Operating Income Statement.
Other Rental Income Verifications, if they apply, are Property Management Firm Statements and/or Statements from Airbnb and other similar firms.
What if it’s a purchase and it doesn’t have an existing lease or it’s a refinance with un-leased property?
In those two instances, the gross rents indicated on the Form 1007 or Form 216 will be used.
Can we use the Interest Only payment to qualify?
YES – and that can make a huge difference for cash flow, especially with LendSure’s 10-Year Interest-Only period on our 40-Year program.
How can I price my DSCR loan?
With our innovative DSCR loan pricing engine! It’s tailored for investors who focus on property cash flow instead of personal income. You can get pre-qualified quickly, receive product recommendations, and get preliminary quotes on rates.
How is a DSCR calculated?
The Debt Service Coverage Ratio (DSCR) is calculated by dividing gross rents by PITIA (Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of over 1.0 means that there is sufficient cash flow to cover the debt service/loan payments. We still close DSCR loans with ratios less than 1, however, the pricing is affected.
How is income evaluated in a DSCR loan?
LendSure’s DSCR program focuses on the property cash flow, so no other income documents are
required.
How is the rental income verified?
Rental income is verified by the lower of gross rents on the lease agreement OR either the Form 1007 Rent Survey completed by the appraiser, or for multi-unit dwellings, the Form 216 Operating Income Statement.
Other Rental Income Verifications, if they apply, are Property Management Firm Statements and/or Statements from Airbnb and other similar firms.
What if it’s a purchase and it doesn’t have an existing lease or it’s a refinance with un-leased property?
In those two instances, the gross rents indicated on the Form 1007 or Form 216 will be used.
Can we use the Interest Only payment to qualify?
YES – and that can make a huge difference for cash flow, especially with LendSure’s 10-Year
Interest-Only period on our 40-Year program.
How can I price my DSCR loan?
Price your loan in minutes with our innovative Lendy DSCR Loan Assistant. Whether
you’re buying a rental, refinancing, Lendy helps you explore the right loan options, based on your scenario, in minutes.
Will you consider income from short term rentals, such as Airbnb and Vrbo?
Yes! We will review statements from short term rental companies, such as Airbnb and Vrbo, to
calculate income.
