DSCR investment Mortgage

No Time Wasted: DSCR Loans for Efficient Portfolio Growth

Unlock portfolio growth effortlessly with our tailored DSCR loans, designed for rapid expansion without the need for personal income details.

DSCR loans to suit tycoons and young investors just starting out

Rental properties are an excellent way to increase your net worth and diversify your investment holdings. Mbanc clients return to us time and time again because of our financial insights throughout the purchase cycle. Our diligent review of the numbers will help to clarify your purchase decision.

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What is a DSCR Investment Rental Jumbo Mortgage?

There are no income requirements for a DSCR mortgage. Unlike conventional loans that hinge on your personal income and debt, a DSCR loan evaluates your property’s projected rental income as the primary qualifying factor.


DSCR stands for debt service coverage ratio. For example, if the ratio required is 1.25, it means the property must produce 25% net positive cash flow after all expenses have been deducted.


Whether you’re a prospective property owner, a real estate investor, or an entrepreneur seeking to tap into the real estate market, this innovative loan option grants you unprecedented flexibility and seamless financing. 

Mbanc was able to finance a property purchase for us with a slightly unorthodox loan on an unusual property which was outside the boundaries of what they usually do. Along the way there were a few times it seemed like it would snag, but each time Alvin worked tirelessly to find a way to get the deal through. He and Helmut could see the value of the property and believed in it but it took a lot of creativity to finally close.

Jules G.

How the process works

Purchase or refinance your short or long-term rental. Our process is straightforward.


Let's discuss profitability - the call is on us

We’re excited to hear about your property and investment plans during our initial conversation. We will share useful insider information to move forward with your financing.


We'll deep dive into the data with you

Take advantage of our extensive experience with rental property mortgages. Mbanc uses powerful tools, including the STR Verfi, to uncover insights about the location, property condition and amenities, the tax environment, and overall market trends.


Put the Non-QM DSCR Loan into action

Whether you need to leverage current equity for a DSCR rental refinance cash-out mortgage, need an interest-only or closed-end second mortgage, work in property syndication, or need a Jumbo loan, we’ll design a solution tailored to your mortgage needs.


Close fast and repeat

We work in many states across the nation. Savvy investors love partnering with us because we are informed, driven, ethical, and competent. We work hard to meet your closing deadline. If you are starting with your first rental income property or need a new mortgage lender – we want your repeat business.

Investors demand tailored mortgage solutions

Mortgage Approval Made Simple

Aside from great mortgage programs, at mbanc, you’ll find enthusiastic and knowledgeable experts ready to offer you premier service.

Bank Statement

Use one to two years of healthy bank statement deposits to qualify.

1099 Jumbo

Entreprenuers can now make large property purchases.

Asset Utilization

Use your liquid assets (instead of the usual tax returns) to apply.

Foreign National

You don’t need to be a US citizen to apply for a mortgage.

DSCR Rental Investment Mortgage

Qualify with Confidence: DSCR program caters to real estate investors, offering qualification based on rental property cash flow.

Ready for an informative first phone call?

A dedicated Mbanc loan professional will help you explore our flexible rental mortgages. We offer unparalleled concierge service and market insights for property investors.

Frequently Asked Questions

Contact us for a complimentary quote on our competitive rates to discover your potential qualification amount.

What is a DSCR Mortgage?

A DSCR (Debt Service Coverage Ratio) Mortgage primarily evaluates the subject property projected or actual rental income as a qualifying factor, rather than a borrowers personal income and debt. 

MABNC calculates a DSCR mortgage by taking the estimated or actual monthly rental income from the subject property and dividing it by the monthly mortgage costs. The DSCR equation plays a pivotal role in mortgage qualification by showcasing that the rental income generated from the property is adequate to cover the debt obligations.

The DSCR Mortgage program does not require traditional income verification documents such as W-2 forms, tax returns, or pay stubs, simplifying the application process and focusing on the rental income of the subject property.

The DSCR Mortgage program offers loan amounts up to $3.5 million with a maximum loan-to-value (LTV) ratio of up to 75%, facilitating substantial financing options for investment properties.

The DSCR Mortgage program accommodates various property types including single-family homes, condominiums, condotels, and 2-4 unit properties, providing a range of options for investment property financing.

Yes, short term rental income is eligible. 

Your specific mortgage rate is influenced by a range of elements: income evaluation method, down payment/equity status, credit score, loan term, income, and debt. Reach out to us for a complimentary quote on our competitive rates for self-employed mortgages and discover your potential qualification amount.