DSCR Loans: What Are They And How To Get The Best Terms 🧐💰🏡(via Easy Street)

[Robin Simon]

Welcome to Part 1 of our Video Series All About DSCR Loans – companion video walkthroughs to our popular article series featured on BiggerPockets‬ featuring @Savannah Holzer!

If you are a real estate investor in rental properties – from classic SFRs, the #BRRRRMethod, #shorttermrentals or #vacationrentals or even small #multifamily properties – or thinking about investing in the future or learning more – these videos are for you!

Make sure to like, subscribe and save as these are the Ultimate Resource Guide to #DSCR Loans – the best loan product out there for financing these rental properties with ease!

In recent years, a fairly new loan product: Debt Service Coverage Ratio (DSCR) loans, has become enormously popular with real estate investors. #dscrloans have become a critical tool for investors on track to achieve their dreams of financial freedom.

These loans, meant specifically for #investmentproperties only, are so effective and popular because they require no income verification (or Debt-To-Income Ratio) and no tax returns or endless paperwork. Further — while the qualification and documentation are much less than conventional mortgages — the interest rates are just barely higher (typically less than 1% more). These loans offer fixed rates for 30 years, including options where it’s interest-only for the first 10 years, so you avoid the payoff and refinance pressure that often comes with hard money alternatives.

Put together, it’s no wonder why investors have flocked to these loans to scale their portfolios and achieve their dreams of financial freedom.

🧐What is the Definition of a #DSCRLoan?

“DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”

👀📺Watch the rest of the video to find out all the basics of DSCR Loans and how to get the best rates and terms!

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More FREE Resources

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✅5-Minute WebApp for a DSCR Loan!

➡️https://bit.ly/4capFy2

✅DSCR Loans Guide 2025 with DSCR Calculator Tool!

➡️https://bit.ly/3TWZUvs

✅STR Lending Guide with FREE ‪@AirDNA‬ Rentalizer Tool!

➡️https://bit.ly/3IZTWUd

✅12-Part DSCR Loan Series (written) published on ‪@biggerpockets‬

➡️https://bit.ly/3IUUIBZ

✅FULL ARTICLE: DSCR Loans: What Are They And How To Get The Best Terms

➡️https://www.biggerpockets.com/blog/ds...

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⏰ Jump To ⬇️⬇️⬇️

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00:00 Intro

01:24 Definition of a DSCR Loan

01:36 How Do You Qualify for a DSCR Loan?

02:26 What Determines Rate and Terms on a DSCR Loan?

02:40 Key Factor for DSCR Loans #1: Debt Service Coverage Ratio (DSCR)

03:55 Key Factor for DSCR Loans #2: Loan To Value Ratio (LTV)

06:04 Key Factor for DSCR Loans #3: FICO or Qualifying Credit Score

06:56 Other Factors That Determine Qualification, Rates and Terms

08:12 How to Pick a DSCR Lender

09:24 Next Steps to Learn More or Get Started with ‪@easystreetcap‬

✅5-Minute WebApp for a DSCR Loan!

➡️https://bit.ly/4capFy2

#brrrr #brrrrstrategy #brrrrinvesting #realestateinvestment #realestate #realestateinvestors #nonqm #realestateinvestingtips

The information provided on EasyStreetCap.com and in any accompanying Easy Street Capital video is intended for general informational purposes only and is not intended to serve as professional financial advice in the real estate investment industry