GetHardMoney.usAscend Capital LendingStart a deal ↗Purchase or refinance non-owner-occupied rental property using the property's cash flow—not personal debt-to-income—as the primary qualification measure.
Qualification centered on the property's rental income and total housing payment
Long-term, short-term, and multi-property portfolio scenarios
Purchase, rate-and-term, and cash-out refinance options
Low-ratio and no-ratio structures available for qualifying scenarios
A Debt Service Coverage Ratio loan is designed for non-owner-occupied investment property. It may be used to purchase a rental, refinance an existing loan, or—in qualifying cases—access equity through a cash-out refinance. Rather than relying primarily on the investor's personal income and debt-to-income ratio, underwriting focuses on the property's ability to support its own housing expense.
DSCR generally compares qualifying monthly rent with the property's PITIA: principal, interest, property taxes, homeowners insurance, and applicable association dues. A ratio of 1.00 means the qualifying rent covers the housing payment. Many programs typically look for at least 1.00, while ratios of 1.25 or higher can receive more favorable rate or pricing treatment.
Current programs may reach approximately 75% to 80% loan-to-value for strong-credit borrowers and eligible properties. Programs for ratios below 1.00—and even no-ratio options—are also available in select scenarios, typically with a higher rate, additional pricing, lower leverage, stronger reserve requirements, or a combination of those adjustments.
DSCR financing can be one of the most effective vehicles for portfolio expansion because qualification is tied primarily to each property's economics rather than the limits of conventional personal-income underwriting. Investors can preserve liquidity, acquire additional rentals, refinance maturing debt, or redeploy equity while keeping each financing decision aligned with the asset's cash flow.
Ratios, leverage, rates, pricing, reserves, prepayment terms, and property eligibility vary by lender and borrower profile. Figures shown are typical program ranges—not a commitment to lend—and are confirmed for each deal at the time of application.
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