What are DSCR Loans?

Debt Service Coverage Ratio (DSCR) loans are specifically designed for real estate investors, focusing on the property's ability to generate income rather than the borrower's personal income. This makes them an ideal solution for investors looking to expand their portfolio without the traditional income verification process.

Key Benefits

Property-Based Qualification

Loans based on property's income potential, not your personal income

Skip the hassle of providing tax returns or pay stubs

Streamlined approval process for quick closings

No Income Verification

Fast Processing

Call us: 470-465-7124

These guys were great. I started with a traditional lender, but being a business owner I ran into issues with tax transcripts that derailed our closing. Justin was able to find an alternative mortgage package for us that enabled us to refi our first short term rental and buy another too! Five stars all day long.

Diego R.

It was great working with Rich, he was very communicative throughout my buying process and was available whenever I had any questions or concerns. When other lenders were unsure about getting my loan closed, Rich was confident he could make it happen and he did. I would definitely be doing business with him again.

Michael Thomas

★★★★★

★★★★★

Working with Justin and the rest of the team at RBJ was an easy and seamless experience. They answered any and all questions I had along the way, and were very patient throughout the process. I highly recommend them!

Robbie Wong

My loan was handled quickly and efficiently. Communication with the team was on point and professional. The most painless mortgage I have ever experienced! I would definitely recommend Rich and the RBJ team to everyone. Highly recommend!

Fred Palmer

★★★★★

★★★★★

Frequently Asked Questions

How Debt Service Coverage ratio (DSCR) is Calculated

The debt service coverage ratio (DSCR) is a ratio of a property's cash flow to its annual mortgage debt. RBJ Lending includes principal, interest, taxes, insurance and HOA fees in the mortgage debt. The ratio is calculated by taking the expected rental payment and dividing it by the annual mortgage debt RDP (Rent Divided PITIA= DSCR).

Can I get a Mortgage on an Investment Property?

Yes, utilizing our Investor Cash Flow product allows for cash flow on the property to be used to qualify for the loan. No tax returns or employment information required.

Is Personal Income Required to Qualify for an Investor Cash Flow Loan?

No personal income is required to qualify. This saves you from submitting complicated income statements and tax returns.

Do you offer pre-approval?

Yes, we offer pre-approval services to help you understand how much you can borrow before you start your property search.

Example Rent Divided PITIA (RDP) $1100 Rent / $1000 PITIA = 1.10% DSCR Positive Cash Flow $1000 Rent / $1000 PITIA = 1.00% DSCR 1 to 1 Break Even $900 Rent / $1000 PITIA = .90% DSCR Negative Cash Flow

Call us: 470-465-7124

Why You Should Work With RBJ Lending:

• Same Day Income Approval:

  • Secure a mortgage without traditional tax returns or W-2s, as we accept alternative documentation like bank statements or 1099's only, accommodating the unique income profile of self-employed individuals.

• Customized Underwriting:

  • Get personalized underwriting that cares about your cash flow and business stability. No cookie-cutter stuff here - just a customized process beyond the usual paperwork

• Competitive Rates:

  • Get competitive interest rates that get you. We understand diverse income streams, so your terms are fair and match your financial needs.

• Low Down Payments:

  • Take advantage of mortgage programs with low down payment options, facilitating entry into the housing market for those without mountains of savings or traditional employment documentation.

• Fast Approval:

  • Benefit from expedited approval processes, acknowledging the urgency in real estate transactions and enabling quick responses to market opportunities.

Call us: 470-465-7124