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A Debt Service Coverage Ratio (DSCR) loan looks at the cash flow generated from an investment property to qualify for a mortgage instead of personal income.

Key Features

No personal income required

Down payments as little as 25%

Qualify based on cash flow

Use your investment to qualify for a DSCR loan.

If you are looking to purchase an investment property, but don't want to use your personal income to qualify, a DSCR loan from NASB may be the solution.  We look at your debt service coverage ratio (DSCR) to determine eligibility.  NASB offers reasonable rates, in-house underwriting, and a down payment as low as 25% dependent on your credit score and DSCR.

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A DSCR loan is a measure of the cash flow a borrower has to pay against current debt obligations for an investment property. A DSCR loan is a type of non-QM loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income. 

DSCR is calculated by simply dividing the net operating income of the investment property by the debt obligations. For example - if your annual income is 100,000, and you know the debt obligations are $80,000, then your DSCR is 1.25 (100,000 / 80,000).

A DSCR loan doesn’t require proof of personal income through tax returns or pay stubs.  A real estate investor just needs to show their ability to repay the lender by having a qualifying DSCR.
A DSCR of 1.0 indicates your investment property is generating sufficient income to just cover the mortgage payments and expenses. A DSCR greater than 1.2 is typically considered a good ratio for residential investment property.  

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