Investment Loans · Rental Property

DSCR Loans

Investment Property Financing Made Simple

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Landlord handing house keys to new tenants at the door of a single-family rental home

Whether you’re purchasing your next rental property or refinancing an existing investment, our Debt Service Coverage Ratio (DSCR) Loan program is designed specifically for real estate investors. Instead of qualifying based on your personal income, DSCR loans focus on the cash flow generated by the property, making it easier to finance investment properties and grow your portfolio.

At Spectrum Funding Group, we understand that every investment opportunity is unique. Our experienced lending specialists work with you to provide competitive financing solutions, fast approvals, and a streamlined closing process.

The Basics

What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a financing solution for non-owner occupied investment properties. Rather than relying on W-2s, tax returns, or traditional debt-to-income (DTI) calculations, lenders evaluate whether the property’s rental income is sufficient to cover its monthly mortgage payment.

This investor-focused approach simplifies the qualification process and provides greater flexibility for borrowers looking to build long-term wealth through real estate.

Why Investors Choose It

Benefits of a DSCR Loan

Qualify using rental income instead of personal income

No traditional income verification for many loan programs

No tax returns or W-2s required in many cases

Purchase or refinance investment properties

Finance single-family homes, condos, townhomes, multi family 5+ unit properties

Ideal for self-employed borrowers and professional investors

Available for individuals and LLCs through many lending programs

Expand your real estate portfolio with flexible financing options

Program Highlights

Up to

85%

LTV Purchases

VRBO, AIR BNB OK, VACANT OKTrue no income verification

Purchase up to

85%-80%

or Refinance up to 80%-75% LTV

Min FICO

620

or 680+ for best pricing

Who It’s For

Who Is a DSCR Loan For?

DSCR loans are an excellent option for:

  • Real estate investors
  • First-time and experienced rental property owners
  • Self-employed borrowers
  • Investors with multiple financed properties
  • Long-term rental investors
  • Short-term rental investors, where program guidelines permit

Whether you’re buying your first investment property or expanding a growing portfolio, a DSCR loan can provide the financing flexibility you need.

Well-maintained modern fourplex rental property in a Southern California neighborhood

Property Types

Eligible Property Types

Our DSCR loan programs may be available for:

  • Single-family residences
  • Condominiums
  • Townhomes
  • 2–4 unit residential properties
  • 5+ unit multifamily properties
  • Planned Unit Developments (PUDs)
  • Non-owner occupied investment properties

Program eligibility and property requirements may vary.

Our Approach

Why Choose Spectrum Funding Group?

Real estate investing moves quickly, and your financing should too. Our team is committed to providing responsive service, personalized guidance, and efficient closings so you can act with confidence when the right opportunity comes along.

With access to multiple lending programs, we work to match you with financing that supports your investment goals—whether you’re purchasing a single rental property or building a diversified real estate portfolio.

Questions

Frequently Asked Questions

DSCR stands for Debt Service Coverage Ratio. It measures whether a property’s rental income is enough to cover its monthly mortgage payment.

Our DSCR loan programs do not require traditional income documentation such as tax returns, pay stubs, or W-2s. Qualification is based primarily on the property’s cash flow, along with other lending criteria.

No. DSCR loans are intended for non-owner occupied investment properties only.

Yes. Many DSCR programs are available to first-time investors, provided they meet applicable program guidelines and eligibility requirements.

Ready to Finance Your Next Investment?

Don’t let financing delay your next opportunity. Whether you’re purchasing your next rental property or refinancing an existing investment, our DSCR Loan program offers the flexibility, speed, and investor-focused financing you need to achieve your real estate goals.

Contact Spectrum Funding Group today to learn more about our DSCR loan solutions and take the next step toward growing your investment portfolio.

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Or call Nancy Sacks directly: 949-449-1242