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DSCR > 1.00

Available on Sequoia DSCR

Qualify real estate investors without income or employment documentation.

DSCR > 1.00

Available on Sequoia DSCR

DSCR Loans make it easy to qualify real estate investors without income or employment documentation.

  • Qualification Based on Subject Property Debt Service Coverage Ratio
    • DSCR = Gross Rent/PITI on 15 & 30-Year Fixed Terms
    • DSCR = Gross Rent/ITIA for 30 & 40-Year IO Terms
  • 1-4 Units Allowed
  • Loan Amounts Up to $2.5 million
  • Credit Scores as Low as 640
  • Short & Long Term Rental Properties Allowed
  • Up to 80% LTV on Purchase and Rate & Term
  • Up to 80% LTV on Purchase and Rate & Term
  • Up to 75% LTV on Cash-Out
  • Unlimited Number of Properties Owned
  • Cash-Out Up to $1M
  • Cash-Out May Be Used for Reserves
  • Vacancies Allowed on Refinances
  • 15, 30, or 40-Year Fixed
  • 30 or 40-Year Interest Only Loan Terms
    • Qualify on Interest Only Payment
  • Gift Funds Allowed
  • First Time Investors Allowed

How To Calculate DSCR

DSCR = Monthly Rental Income /

Monthly Expenses (PITIA or ITIA)

Monthly Rental Income = the total income the borrower receives from their tenants each month. This payment should cover the monthly mortgage payment.

Monthly Expenses = the total sum of any monthly fixed costs. This includes principal and interest payments, taxes, insurance, and HOA dues. These expenses are often referred to as PITIA or ITIA (for interest-only loan terms).

Price Your Scenario

Use our Quick Pricer or Talk To Your Account Executive

Where Can I Do A DSCR Loan Without A License?

You do not need a license to do DSCR loans in the following states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida (Requires Vesting in an LLC), Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Missouri, Montana, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin, and Wyoming

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DSCR > 1.00 FAQ

We lend on 1-4 Unit Properties.

Yes! With a DSCR Ratio over 1.00 we allow short term rentals.

No, we do not require employment information or tax returns on DSCR loans.

No, DSCR loans are not subject to the TILA-RESPA Integrated Disclosure (TRID) Rule because they are business-purpose loans.