Qualify based on the property’s cash flow — no tax returns or personal income docs required.
What Is Commercial DSCR?
Commercial DSCR (Debt Service Coverage Ratio) loans qualify based on the property’s cash flow — not your tax returns, W-2s, or personal income documents. The DSCR ratio measures how well the property’s net operating income covers the proposed loan payment.
Key Benefits
- No personal income verification — qualify on the property’s NOI
- Fast underwriting and close
- Ideal for investors whose tax returns don’t reflect true income (depreciation, write-offs)
- Portfolio scaling — finance multiple properties without DTI constraints
- Open to foreign nationals and self-employed buyers
Who This Is For
Real estate investors with rental portfolios, self-employed buyers, foreign nationals, investors whose tax returns don’t reflect true income, and sponsors scaling acquisitions.
Typical Loan Parameters
- Loan Size: $250K–$30M+
- LTV: 65%–80%
- DSCR required: Typically 1.10–1.25 minimum
- Term: 5/7/10-year fixed or 30-year fixed
- Amortization: 30 years available
Property Types
Multifamily, mixed-use, retail, office, industrial, single-tenant net lease, and short-term rental (Airbnb/VRBO) properties.
Ready to Get Started?
Schedule a free 30-minute consultation to discuss your project. I’ll help you understand your options and structure the right loan for your asset and your goals.