DSCR Loan: This loan type evaluates the property’s income instead of your personal income.
Usage: Perfect for real estate investors acquiring rental or commercial properties.
Calculation: DSCR = Net Operating Income / Debt Obligations. A higher ratio indicates better debt coverage.
Benefits: Easier to qualify for properties with strong cash flow, independent of personal income.
Why Choose DSCR? Lower risk for lenders and more financing options for investors.