DSCR loans rely on projected or existing rental income to determine eligibility, not employment history or personal earnings.
Designed for property investors managing single or multiple rentals, including those with nontraditional income sources.
DSCR programs follow alternative approval guidelines that offer greater flexibility than conventional investment financing.
Approvals with no ratio calculations, making them suitable for vacant or underperforming rental properties.
Loan approval is based on rental cash flow rather than personal earnings. Works well for investors with write offs, variable income, or complex finances. Accessible to borrowers without traditional employment documentation. Often moves through underwriting more quickly. Requires fewer financial documents overall.
Interest rates are typically higher than standard mortgage options. Down payment requirements usually fall between 20% and 25%. Loan performance depends on the property producing consistent rental income. These loans are intended for investment properties only, not owner occupied homes.
DSCR loan criteria can differ between programs, but most approvals follow a shared set of standards.
Many DSCR options require the rental income to at least cover the monthly loan payment. Some programs allow lower coverage thresholds, including ratios below 1.0 or even no ratio evaluation at all through The Doce Mortgage Group.
The property must be an income producing investment, which can include single family rentals, small multi unit properties, condominiums, or approved short term rentals operating on platforms like Airbnb or VRBO.
Credit score requirements typically begin around 620. Borrowers with stronger credit profiles, often 680 or higher, may receive improved pricing and more favorable terms.
Down payments are commonly in the 20 to 25 percent range. Certain DSCR programs allow reduced down payments starting at 15 percent, depending on property performance and overall borrower strength.
DSCR loan programs are built for investors who want financing tied to property performance rather than personal earnings. Approval is based on whether the rental income can support the loan payment, measured through the Debt Service Coverage Ratio, instead of reviewing pay stubs or tax filings. The Doce Mortgage Group provides flexible DSCR options that allow investors to expand their real estate holdings without traditional income documentation.
There are two things you need for a stellar real estate investment: the right property and the right mortgage loan.
Conventional loans and DSCR (Debt Service Coverage Ratio) loans are two popular options here in Florida with unique benefits to buyers who qualify. But to decide which one is right for you, you need to examine the specifics of a DSCR vs. conventional loan, including differences in loan structure, eligibility, and the types of properties they allow you to buy.
See the key differences at https://thedocegroup.com/dscr-vs-conventional-loan-florida/
A DSCR loan is assessed by measuring the rental income against the full monthly housing payment, including principal, interest, taxes, and insurance. Certain programs allow coverage levels ranging from no ratio requirement up to higher cash flow thresholds.
DSCR loans are available directly through our team. We focus on investment focused financing and work with a broad network of lending partners to offer competitive pricing and adaptable loan structures tailored to real estate investors.
Most DSCR programs look at whether rental income can support the loan payment, commonly starting around a 0.75 ratio. Some options offered through The Doce Mortgage Group allow ratios down to zero. Credit profile and reserves may factor into approval, but personal income is not central to qualification. Our team guides investors through available DSCR options and helps match each borrower with a program aligned to their investment strategy.
DSCR loans generally require an upfront investment, with minimum down payments often beginning around 15%. Fully zero down DSCR options are not offered, since lenders require borrower equity to manage risk. That said, there are ways to structure financing that reduce out of pocket costs, and we can help identify DSCR programs with flexible terms that align with your investment goals.
DSCR interest rates vary based on factors like credit strength, property characteristics, and overall market trends. The Doce Mortgage Group works with a wide range of lending partners to help investors access competitive DSCR pricing and loan terms across multiple markets.
DSCR interest rates generally fall between roughly 5.5% and 8.0%, depending on the overall strength of the loan scenario. Credit score, loan to value, and how well the rental income supports the payment all play a role. Borrowers with stronger credit profiles, higher cash flow properties, and lower leverage typically qualify for more favorable rates, while higher risk scenarios tend to price toward the top of the range.
DSCR loans are offered through a mix of institutional and private funding sources, though program flexibility can vary widely. By working with The Doce Mortgage Group, investors gain access to a curated network of DSCR providers, including lenders that focus on investment specific loan structures.
Strong DSCR lenders are those that prioritize investor strategies, offer competitive pricing, and limit unnecessary restrictions. The Doce Mortgage Group works with a nationwide network of experienced DSCR funding partners, helping investors connect with programs that best match their property goals and financing needs.
Yes. Alongside DSCR financing, The Doce Mortgage Group provides a wide range of mortgage solutions, including:
This broad selection allows us to support both real estate investors and owner occupants under one roof.
DSCR Loans Available in 38 States Nationwide
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