At REIF Loans, we specialize in Debt Service Coverage Ratio (DSCR) loans flexible mortgage programs that qualify investors using property income instead of personal income.
If you’re building a rental portfolio, managing short-term rentals, or refinancing for better cash flow, our DSCR loans make it possible to grow faster with less paperwork and more flexibility.
DSCR = Monthly Gross Rental Income / Monthly PITIA
A ratio of 1.0 or higher means the property generates enough income to meet its monthly principal, interest, taxes, insurance and association fees.
Example:
If a rental produces $2,000 in monthly rent and the combined loan payment, taxes, insurance, and association fees total $1,800, then DSCR = 1.11 (positive cash flow).
Unlike traditional loans that rely on pay stubs or tax returns, DSCR loans allow investors to qualify based on property performance rather than personal employment or W-2 income.
No tax returns or pay stubs needed approval is based on your rental property’s income potential.
Borrow through an LLC or business entity for liability protection and easier portfolio management.
Because underwriting focuses on the property, loans often close faster with flexible options like interest-only payments.
Qualify using market rents or projected Airbnb/VRBO income, supported by appraiser or AirDNA data.
| Requirement | Typical Range | Notes |
|---|---|---|
| Minimum DSCR Ratio | 1.00 – 1.25 | Some lenders allow <1.0 with higher rates |
| Credit Score | 640+ | Stronger scores get better pricing |
| Down Payment | 20–25% | Equity improves loan terms |
| Property Types | 1–4 unit rentals, condos, townhomes | Non-owner occupied only |
| Loan Purpose | Purchase, Refinance, Cash-Out | Includes rate-term and portfolio refinances |
Drawing from our investor experience and lender network, REIF Loans provides multiple DSCR structures tailored to different strategies.
The classic program qualification based on current or market rent covering mortgage payments.
Pay only the interest for the first 5–10 years to improve monthly cash flow.
No DSCR calculation required. Approval focuses on credit, assets, and property value.
Qualify using projected Airbnb or VRBO income supported by verified market data.
Finance multiple properties under one loan DSCR is calculated on the group instead of each asset.
Tap into existing equity to reinvest in new deals or fund renovations.
Tailored for condominiums and warrantable/non-warrantable projects.
Short-term loan to acquire or renovate a property before refinancing into a permanent DSCR loan.
Rental type, purchase price, or refinance goal.
We calculate your coverage ratio using verified rent data.
Choose from standard, no-ratio, or interest-only programs.
Transparent communication from pre-approval to funding.
Whether you’re buying your first rental or refinancing a growing portfolio, REIF Loans offers transparent, investor-friendly financing designed around real cash flow and long-term success.
