Debt Service Coverage Ratio- Qualify the borrowers regardless of their income. It is designed for borrowers who wants to expand their real estate investment portfolio using the cash flow from the rental property.

Using the gross rental income on a property to qualify for the monthly payment, home owner insurance, property taxes and HOA if any.

No Personal income is required!

Can I buy the property in LLC?

Yes, actually lenders prefer to do the loans in the LLC for a DSCR

How many units could I purchase with DSCR Program?

1-4 units What is the minimum credit score and down payment required? 600 is the minimum fico score, but the down payments depends on the credit score. The higher the credit score the lower down payment required.

What is the minimum loan amount?

$100,000 would be the minimum Could I be a first time homebuyer? No, lenders require a history of how ownership

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Company NMLS: 240639
Licensed by DRE: 01264348


Contact Us

National Pacific Lending
9891 Irvine Center Drive Suite 150
Irvine, CA 92618

(949) 362-1400

SAT-SUN: By appointment only