DSCR Loans for Real Estate Investors
At SkyGuard Group, we use AI-driven loan placement to simplify financing for real estate investors. Our DSCR (Debt Service Coverage Ratio) loans qualify you based on your property’s income, not personal financials. Whether you're expanding your portfolio or refinancing, we make the process seamless and efficient to help you achieve your investment goals.
How Do DSCR Loans Work?
DSCR loans evaluate the income generated by your property compared to its expenses. For example, if a property generates $5,000 monthly in rental income and its total expenses (loan payments, taxes, etc.) are $4,000, the DSCR would be 1.25. Most lenders require a minimum DSCR of 1.0, meaning the property generates enough income to cover its expenses.Who Are DSCR Loans For?
Real estate investors building or expanding their portfolios.Borrowers with multiple income-producing properties.Investors focusing on short-term rental markets like Airbnb.Those looking to refinance existing properties to free up equity.Why SkyGuard Group?
Experts in AI-driven DSCR loan placement.Quick pre-approvals with funding in just 2-3 weeks.Personalized solutions aligned with your investment strategy.Bilingual support to assist Spanish-speaking investors seamlessly.
Why Choose a DSCR Loan?
Qualify without relying on personal income or tax returns. | Fast approvals, focusing on the property's income potential. | Perfect for building or refinancing your real estate portfolio. | Flexible terms designed for long-term investment success. |
No W-2s or pay stubs required. | Just needs an a appraisal. | Unlock your equity. | Interest only payments. |
John, a real estate investor, owns multiple rental properties but doesn’t have a traditional job or W-2 income. With a DSCR loan, John qualified for financing based solely on the rental income of his new property, avoiding the hassle of proving personal income through tax returns. | Sarah identified a profitable duplex listed at a competitive price. With a DSCR loan, she secured financing within two weeks by showing the property’s projected rental income, beating competing buyers and closing the deal quickly. | Lisa, an experienced investor, used a DSCR loan to refinance one of her properties. She unlocked $200,000 in equity, which she then used as a down payment for a new apartment complex, doubling her rental income stream. | David purchased a single-family rental property with a DSCR loan offering interest-only payments for the first five years. This allowed him to maximize cash flow while preparing the property for resale at a higher value. |
Approved | Approved | Approved | Approved |
Ready to secure your next investment?
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