Debt Service Coverage Ratio (DSCR) loans have revolutionized rental property investing. Instead of relying on your personal tax returns, W-2s, or DTI ratios, we qualify the loan based on the property's rental income. If the rent covers the mortgage, you qualify.
Our DSCR loans offer 30-year fixed terms, allowing you to lock in your financing and scale your portfolio indefinitely. Perfect for the BRRRR method or acquiring turnkey rentals.
It is the gross rental income divided by the PITIA (Principal, Interest, Taxes, Insurance, HOA). A ratio of 1.0 means rent exactly equals the payment.
Yes, we can underwrite using market rents determined by the appraiser's 1007 rent schedule.
Yes, our DSCR loans are fully amortized over 30 years with fixed rates.
Yes, we embrace short-term rentals and can often use trailing 12-month statements or AirDNA projections to qualify.
No, there is no limit to the number of properties you can finance with DSCR loans.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT