Unlock Real Estate Growth with DSCR Loans

For real estate investors, time is money, and access to capital can make or break your next big opportunity. Traditional loans often slow things down with income verification and complex requirements. That’s where debt service coverage ratio (DSCR) loans come in.

At Barrington Commercial Capital, we specialize in DSCR loans designed specifically for real estate investors. Whether you’re acquiring your first property or refinancing a growing portfolio, our loans prioritize what matters most: your property’s income potential.

Here’s everything you need to know about DSCR financing.  

What Makes DSCR Loans Different?

A DSCR loan evaluates the rental income a property generates compared to its debt obligations. That means your ability to repay the loan is based on the property’s cash flow, not your employment status or income history. This structure gives both new and seasoned investors a flexible fast-track option for securing financing.  

The lender will calculate your property valuation and assess the historical or potential rental income of a property. They’ll then use this data to make a lending decision.  

Why Investors Choose Barrington for DSCR Loans

We understand that you need speed, flexibility and reliability. That’s why we’ve built a DSCR loan program that makes securing capital easier than ever:

• Fast Closings: Get funding in as little as 14–21 days

• Flexible Terms: 30-year, 40-year and interest-only options  

• Competitive Rates: Rates as low as 6.75%

• High Leverage: Finance up to 85% of LTV to increase your buying power

• Accessible Options: No prior real estate experience required

Barrington Commercial Capital also offers blanket loans with no seasoning requirements.  

Who Qualifies for a DSCR Loan?

We’ve streamlined our requirements to make DSCR loans accessible. Here are the minimum requirements:

• Credit Score: 660

• Down Payment: 20% down, one to three months’ reserves  

• Property Types: Single-family rental, condo, townhome, two to four units

• Income Proof: We only consider the DSCR

Make the most of new investment opportunities with our accelerated funding.  

Are DSCR Loans Right for Every Investment Move?

Not necessarily. Debt service coverage ratio loans are a versatile loan product, but they aren’t a one-size-fits-all solution. Before applying for a loan, consider your history, experience and portfolio. Some other types of loans to consider are fix and flip loans and hard money loans.

Barrington Commercial Capital offers a wide range of lending products designed to accommodate the needs of investors like you. Explore our financing tools and secure the cash you need to build your portfolio.

Build Wealth Through Real Estate on Your Terms  

Debt service coverage ratio loans are a smart, flexible financing option tailored for real estate investors. At Barrington Commercial Capital, we make the process seamless so you can focus on building long-term wealth through real estate.

Do you need commercial capital to grow your real estate portfolio? Barrington Capital can help. Fill out our simple form and take the next step in your real estate investment journey.