(267) 398-5499

Specialty Program

DSCR Investor Loan

Qualify on the property's income, not yours.

Overview

DSCR loans qualify based on a rental property's cash flow (Debt Service Coverage Ratio) rather than your personal income — no tax returns or employment verification needed.

Ideal For

Real estate investors buying rental property who don't want income-based qualification.

Program Highlights

  • ✓Qualification based on property rental income vs. debt payments
  • ✓No personal income or employment verification required
  • ✓Up to 80% CLTV with a minimum 620 FICO; best pricing at a DSCR above 1.25
  • ✓Available for single-family, multi-unit, and portfolio investors

Program terms and eligibility are subject to underwriting guidelines and may vary. 1st 2nd Mortgage Co. of N.J., Inc. is licensed in DE, VA. NMLS # 115981.