Investor “DSCR” Program

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.

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

Donna Kinsella

05:56 28 Mar 25

Mike performed a miracle, really he came through on a loan for a buyer for my house when others failed. My house was for sale for almost a year with no offers and finally when I received an offer Mike made it happen all within ten days, when the other lender kept delaying it. Selling a home is so stressful, Mike kept me informed every step of the process, he said the loan would go through and it did! I am so grateful to him for making it happen, now I can have my new home and new beginning.
Mahalo Mike and God bless 😇

Tammy Casciano

00:38 28 Mar 25

I recently obtained a mortgage with BluEleven and I needed a lender that could work with unique situations for the self-employed . Mike and his team completed my mortgage in record time and offered a very competitive product. I highly recommend Mike and his team as not only did they deliver quickly, they were excellent in their communication, knowledge and friendly. 5 star service.

Eric Moran

17:16 27 Mar 25

Isahi and the team with BluEleven were excellent to work with. Great rates. Patient and answered all my questions. My real estate agent also praised them. We were able to close on a tight deadline. I would not hesitate to suggest BluEleven to others.

Jessica Williams

19:36 04 Feb 25

Isahi and the whole team at BluEleven Mortgage are amazing! We have used them twice now, once for a purchase and again for a refi. I let Isahi know what I would like to do and she quickly lets me know what my best options are. She is knowledgeable, a great communicator and works quickly to get things done (all of my favorite qualities). I will absolutely use them again in the future.

Philip Johnson

21:50 23 Jan 25

Mike & Isahi did a great job getting my loan done very quickly without any issues. Great job with organization and execution! I would recommend them highly!

Danielle Woodburn

23:52 21 Jan 25

My partner and I just bought a place in LA and had the best experience with BlueEleven. Day or night, Isahi was always available and very attentive during the whole process. Overall had a smooth experience and would highly recommend working with her!

Lisa Larkin

00:58 12 Dec 24

Mahalo Mike & Team, we are all so grateful for your diligence in finalizing the loan.
There were some big hoops to jump through and you did it!
The clients are so happy to finally be in their new home here on Kauai; Congrats to you & your team 😊. Lisa

Daisy Lankarani

05:35 06 Dec 24

Mike, Isahi and the whole team were amazing. They supported me and answered all of my questions along the way. They made my whole home purchasing experience a breeze. Highly recommend!

Investors Dream Program

DSCR
(Investor Dream Program)

Benefits of DSCR

Helping a First-Time Developer Build Their Dream Investment