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A Debt Service Coverage Ratio (DSCR) loan—sometimes branded “Investor Cash Flow” financing—is a non QM mortgage designed for non owner occupied 1 to 4 unit properties in which real estate investors can qualify for mortgage financing based on the property’s cash flow instead of personal income*
*Qualification is required. Additional restrictions apply. Program rates, Terms and conditions are subject to change without notice. Reach out to a loan officer for more program information.
Benefits of a DSCR Purchase Loan
Credit Score
FICO down to 660
LTV on Purchases
Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75%
Cash-Out
Cash-out up to $500,000 and proceeds can be used for reserve requirements.
Foreign Nationals LTV
LTV up to 70% for foreign nationals on purchase and rate-term refinances and 60% on cash-out transactions.
Investors LTV
First-time investors allowed up to 75% LTV.
Seller Concessions
Up to 2% seller concessions allowed towards closing.
Gift Funds
Gift funds can be used for down payment, closing costs, and reserves after the borrower has documented the minimum required borrower contribution.
Foreign Nationals PITI
Foreign nationals reserves 6 months PITI.
Let's Talk DSCR Purchase Loans
Find Out More
Interested in a DSCR purchase loan? Submit your information.
American Neighborhood Mortgage Acceptance Company, LLC dba AnnieMac Home Mortgage ("Company," "We," or "Us") seeks your consent to contact you with certain non-emergency, automated, autodialed, prerecorded, or other informational and telemarketing phone calls or text messages under the Telephone Consumer Protection Act (“TCPA”). By selecting "Submit," you are providing your electronic signature and thereby authorize Us, our service providers, and/or our affiliates to contact you and any joint applicant at the home phone and/or mobile number listed above, and you agree such contact may be made using an automatic telephone dialing system (ATDS) or artificial prerecorded voice. Further, by selecting "Submit," you acknowledge and agree that: you are not required to grant your consent as a condition of buying any property, goods, or services; you may revoke your consent at any time by calling (888) 636-1335 or by emailing Privacy_OptOut@annie-mac.com; Message and data rates may apply.