DSCR Loan

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BluePoint Mortgage DSCR loan for first time homebuyers featuring up to 80 percent LTV, 700 minimum FICO, loan amounts up to $750,000, DSCR 1.00 or higher, and qualification using rental income.

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.

Matrices:

DSCR Comparison Matrix

rentometer

See historical rental trends for any given area. A custom rent analysis will be emailed to you directly by clicking on the button below and completing the form.

Building Type Options

Apt: Includes apartments, condos and townhomes.

House: Includes single-family and duplexes.

Free Rent Estimate

DSCR Calculator

Calculate the debt service coverage ratio for investment property loans.

Download DSCR Calculator

Business Purpose Loans (DSCR): NMLS License not required in the following 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, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, Wyoming

*Must be LLC

Note, Non-QM Lending is unavailable in the following regions: Washington, DC - Indianapolis, IN - Brooklyn, NY - Lubbock, TX - Patterson, NJ - Baltimore City, MD - Charlotte, Lee, Hendry, and Glades Counties, FL - Cook County, IL - Orange and Rockland Counties, NY - Bergen and Essex Counties, NJ.

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