DSCR Mortgages
Finance Your Rental Property Investments

Looking for a mortgage loan for investment property in the US? DSCR Mortgages is here to make it more straightforward and accessible than ever. We are a mortgage company specializing in DSCR (Debt Service Coverage Ratio) loans, offering tailored financing and mortgage loans for real estate investors.

Based in Monticello, New York, we are a leading mortgage lender for investment property, offering multiple DSCR programs with flexible credit score requirements. Clients within the country, as well as foreign nationals interested in buying real estate in the United States, are welcome to discover our long-term and short-term rental property loans, particularly for financing Airbnb or VRBO properties.

Tailored financing is available for purchasing, refinancing, HELOC, and Rehab loans all in one place. Tell us your needs for an investment property mortgage in the US. Get a free quote with expert guidance to maximize the potential of your rental property investment goals.

Lowering Barriers for Property Investors With Tailored Financial Solutions

Why partner with DSCR Mortgages as your trusted mortgage lender for investment property in the US? What makes us different from other mortgage companies working with DSCR (Debt Service Coverage Ratio) loans in the U.S is that we are ready to venture into the unconventional.

Where most lenders turn down short-term rental property loans for DSCR financing, we lower the barrier and keep our options open. Of course, we would never promise something we can’t keep. However, with our innovative financing solutions, investors can expect greater accessibility to lending strategies and multivariate DSCR programs to qualify with.

Beginner Friendly: Lets make things easier to get short-term rental property loans for real estate investors who have no prior experience. If this is the first time you are investing in the U.S., or this is your first-ever investment, or even if you’ve never owned a property before, you can still secure decent funding. Just talk to us.

No Ratio: If you are someone with secured capital but with a tight cash flow or non-traditional income, you can still apply for our investment property mortgage program

Rural Property Investments: We can design and implement tailored mortgage loans for investment property in rural areas across the United States. You can get loan approval for up to 20 acres of land. Further negotiable on exceptional terms.

You Can Use Gift Funds: At DSCR Mortgages, we are among the few New York mortgage lenders for investment property to allow gift funds. You can use money received from acceptable sources, such as family or friends, to pay for a down payment on an investment property in the United States.

Discover holistic investment property transactions with DSCR Mortgages. Since we have reduced paperwork and administration tied to traditional processes, paperwork, and underwriting, we can promise you faster results, flexible portfolio scaling, and different types of properties you can finance, beyond conventional mortgage caps.

Get Up To $5M Mortgage Loan For Investment Property With 85% LTV for Purchases

A DSCR (Debt Service Coverage Ratio) is a calculation used in investment property mortgage eligibility. It works like a financing tool that evaluates the property’s capacity to generate income instead of making a decision based on the investor’s personal income and employment history. So what does the ratio really look into? We review the “Net Operating Income (NOI)” of the property and compare it with the annual debt payments. A strong DSCR indicates your property can comfortably cover its mortgage obligations.

As a leading mortgage lender for investment property in the U.S., we are offering over 10 DSCR programs for different types of investors. Up to $5M worth of mortgage loans are available for domestic and foreign nationals to invest in U.S. properties.

Purchase: Where traditional lenders would think twice before crossing the standard threshold of 80% LTV, at DSCR Mortgages, we have quite often crossed the 85% LTV for Purchase as well as Rate & Term Refinancing. You can purchase single-family investment property, warrantable or non-warrantable condos, or leasehold properties with a down payment of 15% and a minimum 620 FICO credit score.

Refinance: If you need a practical yet creative solution to enhance your current cash flow, try consolidating your debt and unlocking equity make the most of Refinance DSCR Loans. Get anywhere from $75K to $5MM worth of loans available for short-term rental properties. We are more open to providing mortgage loans for real estate investors for ITIN borrowers, those with a low credit score below 580, and include Non-warrantable condos.

HELOC or HELOAN: Unlock new opportunities to leverage your investment property’s equity. With the help of our DSCR-based Home Equity Lines of Credit (HELOC) and Home Equity Loans (HELOAN), you can borrow up to $500,000 on your property with flexible rental terms of a 30-year variable rate and up to 75% LTV/CLTV. Use the funds for renovations, cover reserves, or simply diversify your portfolio.

Long-Term Loans (30 40 Years): Enjoy flexible long-term fixed rates between 30-year or 40-year amortizations with available interest-only (I/O) payment periods to maximize cash flow and maintain better liquidity over time.

Short-Term Rental Loans: DSCR loans are ideal for investors purchasing or refinancing Airbnb, VRBO, or other short-term rental properties. With a maximum loan amount of $4.5 million, these programs calculate qualification using gross income divided by PITIA/ITIA — no personal income documents required.

Rehab Loans: For fix-and-flip or buy-renovate-rent investors, our DSCR rehab loan program covers up to 100% of the renovation costs. This helps investors improve property value quickly while managing expenses under one streamlined mortgage.

DSCR loans for Real Estate Investors Looking to Enter Airbnb or VRBO in the US

At DSCR Mortgages, we have centered our products and services around long-term and short-term rental property loans for real estate investors who want to scale their portfolio efficiently. We specialize in working with clients who are looking to enter more contemporary markets of Airbnb and VRBO hosting. Apply for a mortgage loan for investment property in the U.S. that includes condos, townhomes, mixed-use, and leasehold properties. Make informed choices with our expert guidance and tailored customer support.