Best Fit
- Rental purchases
- Cash-out refinance
- Short-Term Rental and STR scenarios
- Small multifamily
- Portfolio growth
Rental income financing
DSCR Loans for Real Estate Investors
Talk to us about the deal. We will help you figure out the cleanest way to get it funded.
Qualify based on the property cash flow instead of retail mortgage income boxes. IMC reviews rent, DSCR, leverage, entity structure, and exit strategy before the deal gets jammed up.
Quick investor review summary
Call Us: 617-863-0633
Apply Online
Book a Call
Deal Analysis
- Loan amounts: $100,000 to $5,000,000+ depending on deal type, property, leverage, and lender guidelines.
- Eligible assets: 1-4 family rentals, 5+ unit multifamily, mixed-use where eligible, STR, bridge, rehab, and construction scenarios.
- Core review metrics: DSCR, rent or NOI, ARV, LTV, LTC, liquidity, credit, property condition, title, insurance, and exit strategy.
What IMC Reviews
- Address and property type
- Rent estimate or lease income
- DSCR and PITIA assumptions
- Target leverage and cash needed
- LLC or entity structure
Internal Tools
Investor Financing FAQs
What is a DSCR loan-
A DSCR loan is an investment property loan that reviews the property income against the monthly debt service.
Do DSCR loans require W2 income-
Most DSCR programs qualify the property instead of personal W2 income or tax returns.
Is there an application fee-
No. IMC reviews investor scenarios with no application fee.
Can new investors use DSCR financing-
Yes. New and growing investors can be reviewed if the property, leverage, and cash flow fit.
Can I close in an LLC-
Yes. Entity borrowing is common for business-purpose investment property financing.