DSCR Loans Built for Real Estate Investors

See if you can qualify with alternative documentation such as bank statements. Get a quick, no-obligation pre-qualification.

SEE IF YOU QUALIFY

Who is this for?

Investors building or expanding rental property portfolios

Borrowers who prefer asset-based qualification instead of tax returns

Buyers refinancing investment properties for better terms

Entrepreneurs seeking predictable approvals and fast closings

Financing built around your property’s cash flow

Your investment potential shouldn’t rely on traditional income documentation. With DSCR loans, we evaluate the property’s rental performance to help secure the right mortgage for your strategy.

Purchase or refinance investment properties
Straightforward qualification requirements
Competitive terms designed for investors

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How Our Process Works

A simple 2-step path to see if you can get pre-qualification

Step 1

Tell us about your goals and property

Step 2

Review tailored options and next steps

START MY PRE-QUALIFICATION

🔒 Secure form. No obligation to proceed.

“

So glad he handled our refinance at FlexPoint. Their interest rate was fantastic and their fees were lower than other companies that I had compared. Thanks for getting it all done so smoothly.
Susan M.

“

It was a pleasure working with Justin. He helped guide me through the process and was immediately responsive to questions, even via text. Would recommend!
Christopher M

“

FlexPoint is an awesome company. I was surely blessed by getting assigned to Jordan Fletcher. Mr. Fletcher took over my VA refinance and guided me through the whole process in a very timely manner.
Chuck F.

READY TO TAKE THE NEXT STEP?

Ready To Expand Your Investment Portfolio?

Let FlexPoint, Inc. help you secure financing backed by your property’s cash flow. Whether you’re purchasing or refinancing, our team ensures a smooth, transparent process from start to finish.

Investor-focused DSCR expertise
Fast approvals and predictable underwriting
Flexible options across multiple property types

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Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Investor-First Approach

One-to-one Guidance

Frequently Asked Questions

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a mortgage designed for real estate investors. Instead of using personal income documentation, lenders qualify you based on the rental income the property generates compared to its housing expenses.

How is DSCR calculated?

DSCR = Gross Rental Income ÷ Total Monthly Housing Payment (PITIA).

Most lenders require a DSCR of 1.0 or higher, meaning the property generates enough income to cover the monthly payment.

Do I need tax returns or W-2s to qualify?

No. DSCR loans rely on property cash flow, not personal tax documents, making them ideal for investors and self-employed borrowers.

What documents are needed for a Bank Statement Loan?

Typically, 12–24 months of personal or business bank statements are required, along with identification and other standard documentation.

Can I use a DSCR loan for refinancing?

Yes. You can refinance to lower your rate, adjust terms, or pull out equity to reinvest in additional properties.

How fast can I close a DSCR loan with FlexPoint?

FlexPoint, Inc. offers fast, efficient closings, often quicker than traditional mortgage loans, thanks to streamlined documentation and investor-focused underwriting.

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