Rental property financing evaluated on the property's income.
For real estate investors financing non-owner-occupied rental and investment properties held for business purposes.
Discuss your financing
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Perspective
How we approach dscr.
DSCR financing evaluates a rental property largely by whether its income covers its debt service. It is designed for investors who hold property in a business capacity, often through an entity, and who may prefer an underwriting approach centered on the asset.
These loans are for investment property only. They are not intended for a home you live in, and we do not arrange owner-occupied consumer mortgages.
Appropriate Uses
- Purchase of single-family or small multifamily rentals
- Cash-out refinancing of investment property
- Portfolio financing for multiple rentals
- Short-term rental properties, where lenders permit
Suitability Considerations
- For business-purpose, non-owner-occupied property only.
- Lenders calculate coverage differently; required ratios vary.
- Credit, reserves, property condition and appraisal still matter.
- Prepayment terms are common and should be reviewed carefully.
Preparing for Review
What a first review typically draws on.
You don't need any of this to submit an inquiry. Please don't upload tax returns, bank statements or identification numbers through this site. We'll discuss secure next steps if a review moves forward.
- Property address and type
- Current or projected rent and lease status
- Estimated value and existing loan balance
- Entity name, if held in an LLC or corporation
- Schedule of other properties owned
Questions
Frequently asked.
Can I use DSCR financing for my primary residence?
No. DSCR financing through LuxeBridge is limited to non-owner-occupied investment property held for business purposes.
Is income verification waived?
DSCR underwriting focuses on property income, but documentation requirements vary by lender. We do not promise universal waivers of tax returns or other documents.
What coverage ratio is required?
Requirements vary by lender, property and loan characteristics. We will discuss current lender expectations during review.
Is a minimum credit score guaranteed to qualify?
No credit score guarantees any outcome. Lenders consider credit alongside the property and your overall profile.
LuxeBridge Capital Advisory is a commercial finance intermediary and advisor, not a direct lender. Any financing is subject to underwriting, due diligence, lender or investor approval and transaction-specific terms. No rate, amount, timeline or outcome is guaranteed. Where a transaction requires a licensed broker-dealer or agent, LuxeBridge acts through introductions and coordination alongside the client's licensed adviser.