DSCR Loans

Debt Service Coverage Ratio (DSCR) Loan

A DSCR loan allows real estate investors to secure financing based on the rental income of a property rather than their personal income.

Unlock Your Investment Potential with DSCR Loans!

Looking to expand your real estate portfolio without the hassle of traditional loan criteria? Discover the power of DSCR (Debt Service Coverage Ratio) loans!

Why Choose DSCR Loans?

  • No Tax Returns Needed: Qualify based on your property’s cash flow.
  • Avoid High Rates: Say goodbye to the high rates and points of private loans.
  • Quick Approvals: Skip the lengthy approval processes and strict lending criteria.

With a DSCR loan, your property’s income holds the key to your next investment opportunity. Ready to invest smarter and grow your portfolio faster?

Dive In to learn more about DSCR loans, how they work, and what you need to qualify. Don’t miss out on this game-changing opportunity!

APPLY TODAY!

DSCR Loan Program

A popular non-bank alternative for borrowers with 1-4-unit investment scenarios.

When does a Debt Service Coverage Ratio (DSCR) loan make sense?

Are traditional debt-to-income ratios holding you back from securing a mortgage? Struggling with the hassle of tax returns for lending? Seeking to invest in properties without relying solely on your personal income? Or, do you own more properties than agency program limits permit? We’re here to provide a solution. Unleash your real estate potential with flexible lending designed for professional investors like you.

Program Overview

  • Loan size: $100,000 to $2,000,000
  • Purpose: Purchase, Refinance, Cash Outs, Rehab
  • Loan term: 30-Year Fixed
  • Amortization: up to 30 years
  • LTV: up to 80%
  • FICO: Credit friendly and no minimum credit score program available
  • DSCR: 0.75x
  • Documentation: Light docs, No tax returns, proof of income or DTI required
  • Foreign nationals welcome

Eligible Property Types

  • 1-4-unit attached/detached
  • Short-term rentals (Airbnb)
  • Warrantable and non-warrantable condos

Featured Cities for DSCR Loans

We offer DSCR Loans across all of the United States. Below are some of our featured cities.

Tampa, Fl
DSCR Loan Program

Learn More

Fort Lauderdale, Fl
DSCR Loan Program

Learn More

Austin, TX
DSCR Loan Program

Learn More

Buffalo, NY
DSCR Loan Program

Learn More

Rochester, NY
DSCR Loan Program

Learn More

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Bart
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Dave and Gretchen did a great job seeing the whole process through for me from beginning to end. I’m sure I’ll be doing business with them again in the future.
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Guillaume Vidallet
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very professional and diligent every step of the way! Highly receommend
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Joe King profile picture
Joe King
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Magis Funding Solutions, and specifically Dave Guarino, were easily one of the best decisions I made during my purchase process. Working with them as a broker made the entire experience smooth, transparent, and actually exciting instead of stressful. Dave was incredibly knowledgeable, responsive, and always took the time to explain every step so I felt confident in the decisions being made. What really stood out was his professionalism and dedication. It never felt like just another transaction—Dave genuinely cared about helping me get the deal done the right way. Any questions I had were answered quickly, and he consistently went above and beyond to keep everything moving forward. If you’re looking for someone you can trust to guide you through financing, I can’t recommend Dave and Magis Funding Solutions enough. I will absolutely be working with Dave again on my next business venture, no questions asked.
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Nick Young profile picture
Nick Young
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Dave and Gretchen were wonderful to work with and were there for every step of the process. They are very knowledgeable in the field of finance and accommodating to your specific needs. I highly recommend using them.
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Bob Fritschi profile picture
Bob Fritschi
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Gretchen and Dave were very diligent in what proved to be an long and arduous process. In the end, after several twists and turns, they were able to make it happen. Very happy to work with them and confidently recommend their services. Thanks Guys!!
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Keith Hansen profile picture
Keith Hansen
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Dave was referred to me by a mortgage lender. From the first email introduction it was clear that Dave and his team were very responsive and knowledgeable. They were patient with me and provided all of the necessary advice that I needed to work my way through the process. I would recommend Magis to any of my friends and family. And I will definitely use them the next time I need funding. Thank you Dave! Keith Hansen
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Jonathan Whiton profile picture
Jonathan Whiton
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Hard working professionals who will find solutions for your funding needs!
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Lisa Hicks profile picture
Lisa Hicks
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This was the most stress free closing I have ever participated in. Gretchen and Dave are great to work, very efficient, responsive and knowledgeable. I will definitely be working with them again in the future.
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Connor Smith profile picture
Connor Smith
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I closed a 2 property package with Magis. The whole process was smooth and they were responsive the whole time. I will definitely use them again in the future.

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