Why DSCR Loans Are the Smartest Way to Build Your Real Estate Portfolio in 2025
If you’re an investor looking to buy or refinance a rental property — and you’re tired of lenders asking for stacks of W-2s, tax returns, and pay stubs — then it’s time you got familiar with DSCR loans.
At Mortgage Approval Group, we help real estate investors finance properties using the cash flow of the property itself — not your personal income. It’s fast, flexible, and investor-friendly.
✅ What is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — and it measures how much income a property generates compared to its monthly mortgage payment.
In a nutshell:
If the property pays for itself, you may qualify — regardless of your job, income, or employment status.
And unlike traditional loans, DSCR mortgages don’t require:
- Personal income verification
- Tax returns or bank statements
- Debt-to-income ratios
That’s why they’re popular with self-employed borrowers, retirees, high-net-worth individuals, and even foreign nationals.
📈 Finance Up to 85% of the Property’s Value
Here’s the game-changer:
Most DSCR lenders cap out around 75-80% loan-to-value. But at Mortgage Approval Group, we offer programs that go up to 85% LTV — one of the highest available in the market today.
That means:
- Less down payment
- More leverage for scaling your portfolio
- Better use of capital on every deal
🔎 Who Qualifies for a DSCR Loan?
These loans are perfect for:
- Buy-and-hold investors purchasing long-term rentals
- Short-term rental owners using platforms like Airbnb or VRBO
- Self-employed or retired borrowers with complex finances
- Foreign nationals investing in U.S. real estate
- Cash-out refis to unlock equity for future acquisitions
We allow:
- SFRs, condos, 2-4 units, and multifamily
- Purchases, refinances, and cash-outs
- Loans in LLCs or personal names (with personal guarantee)
⚖️ What About DSCR Requirements?
Most lenders require a DSCR of 1.0 or higher. We offer programs that go down to 0.75 DSCR, and in some cases, even no minimum DSCR — depending on credit and LTV.
📌 Bottom Line
If your investment property generates rental income — or is expected to — a DSCR loan could be your easiest path to financing.
You can skip the tax paperwork, skip the income analysis, and close in an LLC — all while getting up to 85% LTV on your next deal.
📞 Let’s Talk About Your Investment Goals
Whether you’re building your portfolio or pulling equity from existing properties, we’ll help you get there with flexible, no-income-doc solutions.
📱 Call or text me: 813-565-0884
📅 Schedule time: https://calendly.com/scott-kepler/15-minute-discovery-call
