DSCR Loan Lender for LLCs and Real Estate Investors
Simplify your investment financing with DSCR loans—no personal income required. Ideal for LLCs, seasoned investors, and real estate portfolios.
What Is a DSCR Loan and How It Works
Understanding DSCR (Debt Service Coverage Ratio)
DSCR, or Debt Service Coverage Ratio, measures a property's ability to cover its debt obligations using its net operating income (NOI). It’s calculated as:
DSCR = Net Operating Income / Total Debt Service.
Why DSCR Loans Are Ideal for Investment Properties
DSCR loans are underwritten primarily on rental income—not your personal income—making them ideal for rental properties or commercial buildings held in LLCs or business entities.
DSCR Loan vs. Traditional Mortgage Financing
Unlike traditional mortgages that require W-2s, tax returns, or pay stubs, DSCR loans eliminate the red tape and focus strictly on asset performance.
Benefits of DSCR Loans for LLCs and Real Estate Investors
No Personal Income Verification
You don’t need to prove employment or income. Approval is based on your rental cash flow and DSCR metric.
Title Vesting in LLC or Business Entity
Loans can be titled directly to an LLC or entity, providing liability protection and tax efficiency.
Scalable Loan Programs for Portfolio Growth
Whether you own 1 or 100 properties, DSCR loans allow flexible growth without impacting your personal credit.
Fast Closings and Minimal Paperwork
Investors love the streamlined process—fewer documents and faster funding timelines.
Who Qualifies for a DSCR Loan?
Eligibility Requirements for LLCs
Most DSCR lenders require a business entity such as an LLC with an active EIN, operating agreement, and articles of organization.
Property Types That Qualify
Single-family rentals, short-term rentals (Airbnbs), multifamily buildings (up to 8 units), and some commercial properties may be eligible.
Acceptable DSCR Ratios by Lender
Most lenders prefer DSCR ≥ 1.0, meaning the property generates enough income to fully cover the debt. Some offer reduced documentation or interest-only options for ratios ≥ 0.75.
Choosing the Right DSCR Loan Lender
What to Look for in a DSCR Lender
Experience with investment property loans, transparent rate structures, and a history of working with LLCs are key.
Working with a Lender Who Understands LLCs
Not every lender is comfortable lending to entities. Choose one who specializes in business-title loans and understands your goals.
Questions to Ask Before Applying
Ask about prepayment penalties, DSCR thresholds, how they treat short-term rentals, and funding timelines.
DSCR Loan Terms and Rates
Typical Interest Rates and Loan Amounts
Rates typically range from 7%–10% depending on property type, DSCR ratio, and borrower experience. Loans range from $100k to $5M+.
Loan-to-Value (LTV) and DSCR Thresholds
Lenders often offer up to 75–80% LTV. Strong DSCR ratios (≥ 1.25) help unlock the best rates.
Fixed vs. Adjustable Rate Options
Choose between 30-year fixed, 5/6 ARM, or interest-only terms depending on your exit strategy and cash flow plan.
Why Work With Kirill Ayzenberg – DSCR Loan Specialist
Experience Helping LLCs Secure DSCR Financing
Kirill has helped dozens of investors structure deals under LLCs and access funding without tax return headaches.
Streamlined Process and Investor-Friendly Terms
Close faster with less paperwork. Transparent fees, no surprises, and programs tailored to your business model.