DSCR LOANS
Designed for real estate investors who qualify based on property cash flow rather than personal income.
Key Features
No Income Required | 30-40 Year Fixed | Interest Only Options | Purchase, Refinance & Cash-Out
Why EHGM's DSCR Loans Are Different​
Our DSCR pre‑approvals are built around accurate rent analysis and lender‑specific DSCR calculations. We structure the loan upfront—reviewing leases, market rents, and expenses early—to reduce underwriting friction and avoid last‑minute surprises.
Lower Fees, More DSCR Buying Power
As a mortgage brokerage, we shop multiple DSCR lenders to find competitive rates and fee structures. That means stronger cash‑flow scenarios, better leverage, and more buying power compared to working with a single bank.
More Loan Options, One Application
DSCR requirements vary widely by lender—minimum ratios, rent calculations, and property eligibility all differ. We compare multiple programs to find the most flexible structure, giving you more approval options from one simple application.
Faster Turn Times & More Flexible Processes
We partner with lenders known for efficient Non‑QM underwriting and hands‑on communication. This allows for quicker decisions, flexibility when documentation changes, and fewer delays for self‑employed borrowers.
​100% of clients work directly with a licensed advisor — never a call center.
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DSCR Loans Criteria
What you can expect
Max Loan Amount
$75K to $4MM+ (loan limits will vary by lender).
Purchase, Refinance, & Cash-Out
20% down payment required for purchases. Max loan-to-value is 80% for refinances and 75% LTV for cash-out refinances.
Credit
Minimum 620+ FICO with 30% down payment on purchases and 80% LTV cap on refinances.
Residency
US Citizens, Permanent Resident Aliens, Non Permanent Resident Aliens, & Foreign Nationals allowed.
Income
No personal income required. Loan is qualified based on the properties cash flow. No DSCR ratio options available.
Assets & Reserves
Assets must be sourced and seasonsed for 60 days. 3 months minimum reserves required. Gift funds are allowed.