DSCR Loan

What is a DSCR loan?

A DSCR loan is an investment-property loan that qualifies primarily on the property’s cash flow (rent) instead of the borrower’s personal income.

DSCR Loan Highlights & Features:

  • Qualify using rental income, not personal income
  • No tax returns or job history required
  • Credit scores as low as 620
  • Up to 85% LTV
  • Loan amounts up to $3 million
  • 1st time homebuyers & 1st time investors OK
  • Cash-out may be used as reserves
  • DSCR No Ratio Option Available

  • License-Free DSCR loans available in: Alabama, Arkansas, Colorado, Connecticut, District of Columbia, Delaware, Hawaii🌺, Illinois, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New Hampshire, New Mexico, New York🗽, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

    Borrower must be a LLC or Corp. in the following states: Florida, Georgia, Kansas, Indiana.

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PRODUCT MATRICES:
IRON DSCR
PREMIER DSCR
Titanium DSCR
Platinum DSCR
Gold DSCR
Silver DSCR
BlueXpanded DSCR
DSCR Product Comparison

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DSCR Calculator

Calculate the debt service coverage ratio for investment property loans.

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DSCR Loans

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BUSINESS PURPOSE LOANS

No NMLS License Required in these States!

Alabama
Arkansas
Colorado
Connecticut
District of Columbia
Delaware
Florida*
Georgia*
Hawaii
Illinois
Indiana
Kansas*

 

Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Mississippi
Missouri
New Jersey
New Hampshire
New Mexico
New York

*Must be LLC


Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Map showing states with license-free eligibility for BluePoint Mortgage’s Business Purpose Loans (Non-Owner Occupied), including newly added Hawaii. Ideal for brokers funding DSCR loans without requiring state licensing.