A typical Debt Service Coverage Ratio (DSCR) loan allows a borrower to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for example – as opposed to their personal income. Most lenders determine that ability to qualify based on the Debt Service Coverage Ratio or DSCR.

A&D Mortgage recognizes that not every borrower will qualify for a traditional debt-to-income loan. We know that ownership of an investment property is more than just a ratio. That is why we have our DSCR loan, which allows a ratio as low as zero. But. the higher this ratio is, the easier it is to obtain a loan.

Allowing a DSCR ratio as low as 0 and offering loan amounts up to $3 million, A&D Mortgage has the capability, strength and flexibility to successfully meet all your client’s needs.

If you’d like more detailed information about DSCR loans, how the ratio is calculated, and examples of qualifiable loan scenarios, please fill out the form below and you’ll receive a free and exclusive PDF by email.