DSCR (Investor) Loans

DSCR loans, or Debt Service Coverage Ratio loans, are specialized financing solutions for real estate investors. These loans are designed to evaluate a property’s income-generating potential rather than relying solely on personal income, making them ideal for investment properties and rental portfolios.
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Who DSCR Loans Are Best For

DSCR loans are perfect for real estate investors who want to leverage rental income to qualify for financing. These loans are commonly used for single-family rentals, multi-unit properties, and other income-producing real estate investments. They are especially suitable for borrowers who may not meet traditional income documentation requirements but can demonstrate sufficient property-generated income to cover debt obligations.
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Income-Based Qualification

The key feature of DSCR loans is qualification based on the property’s income rather than personal salary or employment history. Lenders analyze rental income relative to the property’s debt payments to determine eligibility. This approach allows investors to maximize borrowing capacity, acquire additional properties, and grow their portfolios without unnecessary reliance on personal income statements.
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Benefits of DSCR Loans

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Qualification based on property income, not personal salary

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Flexible loan terms for investment strategies

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Ideal for single-family and multi-unit rental properties

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Streamlined approval and underwriting process
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Flexible Terms and Structures

DSCR loans offer a variety of loan terms, including fixed and adjustable-rate options, to accommodate diverse investment strategies. Borrowers can select terms that align with their cash flow, portfolio goals, and financial planning. This flexibility ensures that investors can structure financing in a way that optimizes returns while maintaining manageable monthly obligations.
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Why Choose Mirachelle Alvarez at The Money Store

With Mirachelle Alvarez at NJ Mortgage Specialis, clients choose a mortgage partner who combines decades of experience with personalized guidance. Every borrower receives attention tailored to their unique goals, whether purchasing a first home, refinancing, or investing in real estate. The focus is on delivering financing solutions that are practical, transparent, and aligned with each client’s long-term financial success.

We are known for

Expert Guidance: Providing personalized mortgage advice based on over 30 years of residential lending experience.

Wide Range of Loan Programs: Offering Conventional, FHA, VA, Jumbo, DSCR, Renovation, HELOCs, and more to fit every borrower’s needs.

Transparent Process: Clear communication and step-by-step support to make the mortgage process simple and stress-free.

Client-Centered Service: Building long-term relationships by prioritizing your goals, financial well-being, and homeownership success.

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

We provide a wide range of mortgage solutions, including Conventional, FHA, VA, USDA, Jumbo, DSCR, Renovation, Construction, HELOCs, Bank Statement, Non-QM, Purchase, Refinance, and Down Payment Assistance programs to meet diverse borrower needs.

Our process begins with understanding your financial goals, credit profile, and homeownership needs. With this information, we guide you to the mortgage program that best fits your situation and long-term objectives.

Yes. Programs like Bank Statement Loans, Non-QM Loans, and DSCR Loans are specifically designed to help self-employed borrowers, investors, and those with non-traditional income sources qualify for financing.

 

The timeline varies depending on the loan type, property, and documentation. On average, most loans close within 30–45 days, and we provide guidance throughout the process to ensure timely and smooth approval.

Absolutely. We offer specialized programs, including FHA loans, Down Payment Assistance, and tailored guidance, to help first-time buyers navigate the mortgage process with confidence and achieve homeownership successfully.

Streamlined Investor Financing

DSCR loans provide a simplified and efficient path to financing investment properties. By focusing on property performance, lenders can offer faster approvals and more predictable underwriting compared to traditional mortgages. This streamlined process helps investors act quickly on opportunities while maintaining confidence in their financing strategy and property selection.