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.