Investor Loan Programs
DSCR Loans
Debt Service Coverage Ratio loans — qualify on the property's rental income, not your personal tax returns. Built for real estate investors.
Investor Advantages
Why Investors Choose DSCR
No Personal Income Required
DSCR loans qualify based on the property's rental income, not your W-2 or tax returns. Perfect for investors with complex income or multiple write-offs.
Scale Your Portfolio
No limit on the number of financed properties. DSCR loans are designed for investors who want to grow beyond the 10-property conventional limit.
Short-Term Rentals Eligible
Airbnb and VRBO income can be used to qualify. We use market rent data or actual STR income to calculate DSCR for vacation rental properties.
Close in an LLC
DSCR loans can be originated in the name of an LLC or other business entity — protecting your personal assets and simplifying your investment structure.
Faster Closings
Without the need to verify personal income through tax returns and pay stubs, DSCR loans often close faster than conventional investment property loans.
Foreign Nationals Welcome
Many DSCR programs are available to foreign national investors purchasing U.S. investment properties — no U.S. credit history required in some cases.
The Formula
How DSCR Is Calculated
Calculate Gross Rent
We determine the monthly market rent for the property using a rental analysis or lease agreement.
Determine PITIA
We calculate your total monthly payment: Principal, Interest, Taxes, Insurance, and Association dues.
Compute DSCR Ratio
DSCR = Gross Rent ÷ PITIA. A ratio of 1.0 means rent covers the payment; 1.25 means 25% surplus.
Qualify & Close
Most programs require a DSCR of 1.0–1.25+. Some programs allow ratios below 1.0 with higher down payments.
Example: DSCR = $2,000 rent ÷ $1,600 PITIA = 1.25
This property generates 25% more income than its payment — a strong DSCR that qualifies with most lenders.
Qualification
DSCR Requirements
Grow Your Pensacola Portfolio
We work with investors across Pensacola, Gulf Breeze, Navarre, and the Emerald Coast. Let's run the numbers on your next deal. NMLS #103035.