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The Cedar Springs Group
The Cedar Springs Group
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DSCR / Rental Loans

Financing based on property cash flow rather than personal income.

Overview

 

DSCR (Debt Service Coverage Ratio) loans are designed for rental property investors, with qualification based primarily on the income generated by the property.


Commonly used for long-term hold strategies, these loans allow investors to scale portfolios without relying solely on personal income.

How It Works

Key Considerations

Key Considerations

  • Qualification based on the property’s ability to generate sufficient cash flow (DSCR) 
  • Rental income replaces traditional income documentation 
  • Loan structure driven by income, expenses, and overall debt coverage 
  • Emphasis on property performance over personal financials

Key Considerations

Key Considerations

Key Considerations

  • Debt Service Coverage Ratio (DSCR) 
  • Rental income and lease stability 
  • Property condition and market 
  • Interest rates and loan terms

When It’s Used

Key Considerations

When It’s Used

  • Long-term rental investments 
  • Portfolio expansion 
  • Stabilized income-producing properties 
  • Refinancing existing rental assets 

Have a Rental Property to Review?

 Submit your deal details and we’ll review the opportunity and follow up with next steps. 

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