Investors Dream Program

DSCR
(Investor Dream Program)

A Debt Service Coverage Ratio (DSCR) loan is a mortgage option designed for real estate investors who want to qualify based on a property’s cash flow rather than their personal income. Instead of traditional income verification, lenders assess whether the property’s rental income is sufficient to cover the mortgage payment, typically requiring a DSCR of 1.0 or higher. These loans offer flexibility for investors with complex financial situations, no W-2 income, or multiple properties, making them ideal for expanding rental portfolios without the constraints of conventional financing.

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Benefits of DSCR

 
  • Quicker closing times
  • No income or job history verification required
  • No limit on the number of properties
  • Loan amounts up to $4,000,000
  • Unlimited cash out
  • As little as 20% down payments
  • Interest-only loan option available
  • Suited for new and seasoned real estate investors
  • Both long-term and short-term rentals are eligible (Airbnb, VRBO, etc.)
  • No reserves required on cash out loans, 6 months required on all other loans unless the DSCR ratio is less than 1.

Helping a First-Time Developer Build Their Dream Investment

At BluEleven, we take pride in supporting investors at every stage of their journey. It was a pleasure assisting a first-time developer in the U.S. as they built their dream investment property.

We provided initial financing to get the project started, stepped in with a mid-construction loan to keep things on track, and ultimately secured a full take-out DSCR loan to help stabilize the rental income.

Despite having no prior U.S.-based experience, the borrower achieved success—with BluEleven by their side every step of the way.

Los Angeles Ca - Actual Scenario

Phase I

$777,000 Purchase Loan

Phase II

$250,000
Mid Construction

Phase III

$1,292,500
Cash Out

Testimonial
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Who Should Become a Loan Officer and Why?

Insurance Agents

Insurance agents already have a strong client base seeking financial security. By becoming a loan officer, they can offer mortgage solutions alongside insurance products, creating more value for clients and increasing their earnings through commission-based loan closings. Their expertise in risk assessment and financial planning makes them well-suited for this role.

Realtors

Realtors thrive on home sales and adding mortgage origination to their services can provide a seamless experience for clients. By becoming a loan officer, they gain control over the financing process, reduce deal fallout, and unlock an additional revenue stream. This dual role strengthens client relationships and enhances their ability to close transactions faster.

Wealth Management Advisors

Wealth advisors guide clients on financial growth and stability, making mortgage lending a natural extension of their expertise. By offering tailored financing solutions, they help clients leverage assets, optimize debt, and structure real estate investments wisely. This not only strengthens client trust but also diversifies their service offerings, increasing long-term revenue potential.

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