Can anyone get a DSCR loan?


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DSCR Investment Property Loans | Valor Lending Group

Are you interested in learning about our DSCR loan programs?

Valor Lending Group is here to help!


Are DSCR loans easy to get?

It can be easier to get approved for a DSCR loan because approval for these types of loans is not dependent on your personal finances, instead it depends on your properties income. DSCR loans are based on the future cash flow of your property which makes qualifying for these programs easier than with other types of loans.

Can anyone get a DSCR loan?

DSCR loan programs are beneficial to real estate investors because these programs allow qualification based on simply the cash flow of the property being financed. 

How much down payment do you need for a DSCR loan?

With a DSCR loan most lenders require 20% down but may require more depending on your scenario.

DSCR Investment Property Loan Highlights:

  • No Tax Returns
  • Employment NOT Required
  • No Income Required
  • No Debt to Income Ratio Calculated
  • Cash Flow based on Subject Property rents | if property is vacant upon purchase market rents from the appraisal will be used to calculate DSCR
  • SFR, Condo and 1-4 Unit
  • Maximum Loan $7.5M
  • Unlimited Financed Properties OK
Recap of our Loan Products
  1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
  2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
  3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
  4. Valor VA Home Loan 100% financing up to $1.5MM
  5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
  6. Flipper & Rehab Loans (Flip a property with one of our many options)
  7. 2nd Position Loans up to $5mm
  8. Raw Land & Lot Loans
  9. Ground up Construction for spec homes, custom homes and commercial ground up.
  10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  11. 10% down Jumbo’s up to $1.5mm
  12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  13. Acreage Properties
  14. Commercial Loans up to $500mm
  15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  16. Foreign Nationals Loans (no social security or residency required)
We Also Offer:
  1. Conventional Conforming Loans
  2. High Balance Conforming
  3. Jumbo Loan Financing | 10% down Jumbo to $1.5mm
  4. FHA, USDA
  5. Reverse mortgages up to $1 Million Value
  6. Cash Out Refinancing

**Rates and terms subject to change without notice

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