Debt Service Coverage Ratio (DSCR) loans allow real estate investors to finance properties based on rental income instead of personal income. These loans are ideal if you have variable income or prefer not to use traditional financial documentation. Learn more about investment options in our loan programs or HUD’s rental assistance overview.
Here are some common scenarios where our clients use DSCR loans:
No, DSCR loans don't require traditional employment verification, tax returns, or pay stubs. Approval depends primarily on the property's rental income potential, your credit profile, and liquidity. See our Non-QM loans page for related options.
Absolutely. Our DSCR program specifically supports properties generating income from Airbnb, Vrbo, and similar platforms, from the Pacific Northwest all the way down to Florida. Check out our loan programs for details.
Typically, a credit score of at least 640 is recommended, though exceptions can occasionally be made based on asset strength or property cash flow. Learn more in our mortgage basics.
Generally, you'll need between 20% and 25% down, though specific requirements vary based on the property's location, loan size, and your overall credit profile. See our down payment guide.
Yes, interest-only options are available, which many investors prefer for improved cash flow during the initial years of property ownership. Explore this in our loan programs.
Money Well Lending provides DSCR financing for single-family homes, multi-unit residential properties (up to 10 units), condos, townhomes, and short-term rentals. Visit our loan programs for specifics.
Yes, refinancing is common with DSCR loans. You can refinance to lower payments, access equity for reinvestment, or shift from conventional financing to DSCR for greater flexibility. Check our refinance guide.
Yes, we provide Bridge Loans that help investors quickly secure new properties without having to immediately sell existing investments. See our loan programs or HUD’s housing development resources.
Here are some common scenarios for Bridge Loans:
Transactional Funding is short-term, typically one-day financing that allows wholesalers and investors to quickly buy and sell a property. Money Well Lending offers transactional funding solutions to facilitate rapid closings for eligible borrowers. Learn more in our loan programs.
Yes, we provide Fix & Flip loans designed specifically for investors looking to purchase, renovate, and quickly resell properties for profit. Explore our construction FAQ.
Yes, Money Well Lending offers investor-friendly New Construction loans that can cover land acquisition and full construction costs, simplifying the financing process into a single streamlined loan. See our construction FAQ or HUD’s housing development page.
Yes. Our DSCR loans apply to multifamily properties with up to 10 units, making it easier to invest in lucrative rental properties with multiple income streams. Check our loan programs.
Yes. Money Well Lending has loan programs designed to help foreign nationals invest in U.S. properties through DSCR and Non-QM loans, especially suitable for those without U.S. employment records or credit history.
We actively provide investment financing solutions, including DSCR loans, Bridge Loans, and Fix & Flip loans across our licensed states—from Vancouver, WA down to Miami, FL—ensuring wide coverage for our clients' real estate investment goals. See all options in our sitemap.