Debt Service Coverage Ratio Loan Program

Debt Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors. Unlike traditional mortgages that rely on your personal income, DSCR loans qualify based on the property’s income the rental cash flow it generates. This allows investors to expand their portfolios or refinance existing properties more efficiently.

How DSCR Loans Work

A DSCR loan calculates the property’s income versus its debt obligations. The resulting ratio determines your eligibility, not your personal tax returns or W2s. This makes it an ideal solution for borrowers whose personal income may not reflect their investment capacity.

Key Highlights:

  • Qualification is based on property income and expenses, not personal earnings

  • Loan amounts often range up to the low millions, depending on property type

  • Available for purchase, rate and term refinance, and cash out refinance

  • Interest only payment options may be available to maximize cash flow

  • Supports 1 to 4 unit and multi unit investment properties

Who Benefits from DSCR Loans

DSCR loans are perfect for:

  • Real estate investors seeking portfolio growth

  • Borrowers with fluctuating or limited personal income documentation

  • Clients who prefer underwriting focused on property performance rather than personal financial statements

Philadelphia Mortgage Company offers competitive rates and flexible terms on DSCR loans. Our team guides you through the pre qualification process, helping you secure financing quickly so you can seize investment opportunities as they arise.