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.

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

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

REQUEST MORE INFORMATION

DSCR Loans

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

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.