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DSCR Loans for Real Estate Investors – Fast, Flexible Financing
Debt Service Coverage Ratio (DSCR) Loan Program
If you’re a real estate investor looking to grow your portfolio without the hassle of traditional income verification, our DSCR loan program is the perfect solution. At Rapid Rate Mortgage, we make it easy to secure financing for rental properties based on the property’s cash flow, not your personal income.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors who want to qualify based on the rental income of the property. Instead of using tax returns, W2s, or pay stubs, we calculate the property’s ability to cover its mortgage, taxes, and insurance.
This makes DSCR loans ideal for:
✅ Investors with multiple properties
✅ Self-employed or 1099 borrowers
✅ Those looking to expand their rental portfolios quickly
✅ Borrowers who want a fast, flexible approval process
Why Investors Choose Our DSCR Program:
✅ No personal income verification required
✅ Qualify based on rental cash flow
✅ Close quickly, ideal for competitive markets
✅ Flexible financing for short- and long-term rentals
✅ Available for LLCs or individual investors
Whether you’re investing in a single-family rental, a vacation property, or a multi-unit building, our DSCR program gives you the freedom to scale your portfolio without the traditional lending roadblocks.
How DSCR Loans Work:
1. We calculate the Debt Service Coverage Ratio (DSCR) by dividing the property’s gross rental income by the mortgage payment (PITI).
2. If the rental income covers the property’s expenses, you’re likely to qualify.
3. You can finance your investment property faster and with less paperwork.
Example:
Monthly rent: $2,500
Mortgage payment (PITI): $2,000
DSCR = 1.25 (qualifies!)
Start Growing Your Investment Portfolio Today
At Rapid Rate Mortgage, we help investors secure funding quickly so they can focus on closing deals and building wealth.
Call us at (850) 530-7943 or Apply Online to get pre-approved for your DSCR loan today.
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Rapid Rate Mortgage, LLC is licensed in Alabama, Florida, and Georgia. 6901 A. North 9th Avenue #649 Pensacola, FL 32504
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* 2023 study conducted by Polygon Research used 2023 Home Mortgage Disclusre Act data to find that consumers save more than $10,662 over the life of the loan, on average, by working with a mortgage broker compared to a nonbank retail lender.
The principal, interest and Mi payment on a $339,500 30-year Fixed-Rate Loan at 6.50% and 97% loan-to-value (LTV) is $2,298.65. he Annual Percentage Rate (APR) is 7.147% with estimated finance charges of $8,000. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 06/24/25. UWM pays the lesser of 2% or $7,000 of the down payment. Borrower pays 1% of the dowr payment (or remaining down payment needed if 2% exceeds $7,000). Subject to borrower approval. Some exclusions may apply
Example is for informational purposes only.