DSCR Loan (Debt Service Coverage Ratio)
Investment Property Financing — Simplified
If you’re a real estate investor, traditional mortgage qualifications don’t always reflect your portfolio’s strength. A DSCR loan from Freedmont Mortgage allows you to qualify based on the property’s income — not yours.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan uses the rental income of the property to determine eligibility — no tax returns, W-2s, or job verification required. It’s ideal for investors building cash-flowing portfolios.
Program Highlights
- Loan Amounts Up to $2.5M
- No Personal Income Documentation Required
- Minimum Credit Score of 620
- Up to 15 Properties Allowed
- LLC Closings Accepted
- Eligible for Short- or Long-Term Rentals
- First-Time Investors Welcome
Properties eligible include single-family homes, townhomes, 2–4 unit properties, and condos (warrantable & non-warrantable).
