DSCR Loans
At Lifestlye Lending, we offer Debt Service Coverage Ratio (DSCR) loans tailored for real estate investors and business owners looking to finance income-producing properties (rental properties, etc.). Unlike conventional mortgages that emphasize your personal income and credit history, DSCR loans focus on the cash flow generated by the property itself.
We calculate the DSCR by dividing the property’s net operating income (NOI) by its annual debt obligations, ensuring it meets lender standards—typically a ratio of 1.0 or higher, with many preferring 1.25 or more for added assurance. Whether you’re purchasing a rental home, multi-family unit, or commercial space, our DSCR loan options provide the flexibility and support you need to grow your investment portfolio.
Why Choose DSCR?
Why choose a DSCR loan through Lifestlye Lending? It’s the perfect solution for investors who want financing that aligns with their property’s potential rather than their personal finances. If you’re self-employed, have variable income, or don’t meet traditional loan requirements, a DSCR loan lets you leverage your property’s revenue to secure funding.
Our clients love the streamlined approval process and the ability to finance unique properties like short-term rentals or fixer-uppers that might not qualify for standard mortgages. Let us help you unlock new opportunities and build wealth through real estate with a DSCR loan designed for your success.
How Our Home Loan Process Works
The Easy 4 Steps
STEP 1
Contact us for your complimentary home loan analysis. Our experts are committed to offering you a detailed assessment that highlights the best rates and terms tailored to your unique financial situation.
STEP 2
Receive options based on your unique criteria and scenario. With this personalized analysis, you'll gain insights into how you can maximize your savings and make informed decisions about your home purchase or refinance.
STEP 3
Compare mortgage interest rates and terms. By taking into account your unique circumstances, we help you identify the most cost-effective rates and favorable terms, simplifying the decision-making process.
STEP 4
Choose the offer that best fits your needs. Once you've identified your ideal mortgage, our team will assist you through the application process, ensuring a smooth transition towards securing your home loan.
READY TO SECURE YOUR DSCR LOAN?
Take the next step toward growing your real estate portfolio with a DSCR loan from Lifestyle Lending. Whether you’re eyeing a rental property or a commercial investment, our team is here to find the perfect financing solution for you.
Get started today—request a free, no-obligation quote and see how easy it can be to turn your property’s cash flow into opportunity!
