DSCR Loans

Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.

   Up to  

6.75%

Rates From*

85%

LTV

14-21

     Day Close    

30, 40yr

    I/O Option    

$75k up to $2M

Barrington Commercial Capital offers DSCR (Debt Service Coverage Ratio) loans as a powerful financing solution for real estate investors looking to grow their portfolios. Unlike traditional loans that focus on personal income, our DSCR loans prioritize property cash flow, making it easier for investors to secure funding for acquisitions, refinancing, or portfolio expansion. We understand the unique needs of real estate professionals, and our goal is to provide quick, hassle-free funding with competitive rates and flexible terms to support your investment strategies.

Why Choose Our DSCR Loans?

Tailored for real estate investors: Our DSCR loans are designed with investors in mind, offering a streamlined process that simplifies access to capital. Whether you’re a first-time home buyer or an experienced investor, we provide the flexibility you need to build long-term wealth through real estate.

Key benefits of our DSCR loans include:

  • Effortless process: We simplify the loan approval process with clear, straightforward steps, so you can focus on your investment goals.
  • Quick funding: Secure your loan in as little as 10–14 days, allowing you to act on time-sensitive opportunities without delay.
  • Flexible terms: Our loans are investor-focused, with options like blanket loans, no seasoning requirements, and acceptance of rural properties.
  • Trusted expertise: Partner with a team that understands the challenges and opportunities of real estate investing, ensuring you get the support you need every step of the way.
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DSCR Loan Requirements

To qualify for our DSCR loans, we’ve made the process accessible while ensuring you’re set up for success:

  • Experience: No prior experience required—first-time home buyers are welcome.
  • Credit score: A minimum credit score of 660.
  • Liquidity/reserves: A 20% down payment and 1–3 months of reserves are required.
  • Property type: Eligible properties include single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties (non-owner-occupied).
  • Additional flexibility: We offer blanket loan options, accept rural properties, and have no seasoning requirements, giving you more opportunities to grow your portfolio.
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DSCR Loan Highlights

Transparent and Investor-Focused Loan Terms

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Product Type
DSCR Loan
Experience Required
First time home buyer allowed.
Minimum Credit Score
660
Liquidity/Reserves
20% Down, 1–3 Months Reserves
Prepayment Penalty
Optional
Closing Timeline
14 to 21 Days
Rate
6.75%
Loan-to-Value (LTV)
85% 1-4 Purchase | Rate & Term
Cash Out Loan-to-Value (LTV)
75% Cash Out | Vacant Aloud
Loan Term
30, 40 Years or Interest Only
Asset Types
SFR, Condo, Townhome, 2–4 Units
Loan Amounts
$75,000 to $2,000,000
Product Specifics
Non-owner-occupied, no seasoning requirement, blanket loan options, rural allowed
Number of Units
1 to 4 Units

Expert Support for DSCR Lending

Enjoy flexible terms with longer repayment periods, lower down payments, and lenient credit requirements, all while getting approved and funded in as little as 10–14 days to seize opportunities fast. Our tailored DSCR loans help you fuel your real estate investments and contribute to economic growth, empowering you to expand your portfolio with confidence.

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