One of our most popular programs is the Debt Service Coverage Ratio (DSCR) Loan, designed for real estate investors seeking a straightforward and flexible approach to securing rental property financing.
DSCR Loans are a type of real estate loan specifically tailored to rental property investors. Unlike traditional loans that require detailed income documentation and employment history, DSCR loans focus on the cash flow of the property itself. This means that the primary consideration for your loan approval is whether the rental income from the property can cover the debt payments—making it an ideal solution for experienced investors and those with multiple properties.
How DSCR Loans Work
The Debt Service Coverage Ratio measures the relationship between the property’s income and the debt payments you need to make. In other words, it assesses whether the property can generate enough income to cover the loan obligations. A DSCR greater than 1 indicates that the property’s income exceeds the costs, which makes the loan a sound investment.
Benefits of DSCR Loans
Income-Based Evaluation: No need for extensive personal income documentation. The property’s income potential drives the decision.
Fast Approval Process: With fewer documentation requirements, DSCR loans can be approved more quickly than traditional loans.
Flexibility: Great for investors with complex financial situations or multiple income streams that don’t fit traditional underwriting guidelines.
Scalable Financing: Since DSCR loans consider property income, you can scale your real estate portfolio faster without worrying about the limitations of conventional financing.
Why Choose a DSCR Loan from JCN Capital?
Investor-Focused Approach: We understand the challenges real estate investors face and have designed our DSCR loan program to meet those needs effectively.
Minimal Documentation: Skip the hassle of collecting pay stubs and tax returns. We make it easy to qualify based on your property’s performance.
Competitive Rates: Our DSCR loans offer competitive interest rates and flexible terms to ensure you get the best return on your investment.
