DSCR Loan Program (Debt Service Coverage Ratio)
An Easy, Flexible Option for Real Estate Investors
The DSCR Program is one of the most accessible Non-QM (Non-Qualified Mortgage) loan products — ideal for real estate investors who want to qualify based on rental income, not personal income.
Program Highlights
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💰 Max Loan Amount: $2,000,000
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📈 Max LTV: 80%
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💳 Min FICO: 680
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📆 30-Year Fixed Term Available
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🏘 Investment Properties Only (No primary residences)
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🔑 Rental Income-Based Qualification (No employment, W2, or tax returns needed)
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🌎 Foreign Nationals Welcome (Including F1 visa holders)
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🏠 Short-Term Rentals Eligible (e.g., Airbnb)
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🏢 LLC Closings Accepted
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💲 Gift Funds Allowed
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📝 Appraisal Transfer Accepted
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🧾 ITIN Borrowers Eligible (Min DSCR 1.0)
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💼 First-Time Investors Accepted
Flexible Pricing Available – Please Call If:
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FICO score is between 620–659
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You have recent mortgage late payments
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Your property is in a rural area
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You’re applying for a loan > $2M
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You’re a Foreign National with LTV > 70% or ITIN > 75%
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You’re financing a short-term rental
Why Choose DSCR?
✔ No Income Verification
✔ No Employment Verification
✔ No DTI Calculation
✔ DSCR can be as low as 0 — even if rental income is low, you may still qualify!
✔ Ideal for borrowers with low income or high existing debt
This is an excellent choice for investors looking for speed, flexibility, and fewer documentation requirements. Especially helpful for foreign nationals or first-time investors looking to expand their real estate portfolio in the U.S.
📞 Interested? Let’s Talk.
Contact Linkhome at [email protected] or call (626) 678-0777 to learn more about how the DSCR loan can work for you.