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A typical Debt Service Coverage Ratio (DSCR) loan allows a borrower to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for example – as opposed to their personal income. Most lenders determine that ability to qualify based on the Debt Service Coverage Ratio or DSCR.
A&D Mortgage recognizes that not every borrower will qualify for a traditional debt-to-income loan. We know that ownership of an investment property is more than just a ratio. That is why we have our DSCR loan, which allows a ratio as low as zero. But. the higher this ratio is, the easier it is to obtain a loan.
Allowing a DSCR ratio as low as 0 and offering loan amounts up to $2.5 million, A&D Mortgage has the capability, strength and flexibility to successfully meet all your client’s needs.
If you’d like more detailed information about DSCR loans, how the ratio is calculated, and examples of qualifiable loan scenarios, please fill out the form below and you’ll receive a free and exclusive PDF by email.
Our streamlined loan process provides brokers with industry-leading turn times, ensuring you're always ahead of the competition.
Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.
Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.
Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.
Please fill out the form below and you will receive a free PDF and free consultation from one of our account executives.
