CalculateRealEstateROI

Financing

DSCR Lending Strategy

Property-cash-flow-qualified loans enabling unlimited portfolio scaling without personal income documentation.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Core concepts

No DTI cap

Bypasses 10-loan conventional cap and DTI restrictions.

LLC-friendly

Standard vesting in LLC for asset protection.

Rate premium

50–150bps higher than conventional in exchange for flexibility.

Examples

  • 8% / 25% down on $250k rental with 1.25 DSCR.

Practical applications

  • Operators past conventional cap.
  • Self-employed without W-2 documentation.

Common mistakes

  • Choosing DSCR before exhausting conventional capacity.
  • Ignoring prepayment penalties.