Loan program
DSCR Home Loan
Investment loans qualified on the property's rental cash flow, not your income.
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on the rental property's cash flow — not your W-2 or tax returns. Perfect for serious real estate investors.
DSCR loans are the workhorse of modern real estate investing. By qualifying on the property's cash flow instead of your personal income, they sidestep every problem self-employed investors face with conventional lenders.
The math is simple: monthly rent ÷ monthly PITI must equal 1.0 or higher. If the property cash-flows, the loan is approvable.
Evergreen Ridge Financial Group funds DSCR loans for single-family rentals, small multifamily, and short-term rentals. We close in LLCs, allow flexible reserves, and have programs for borrowers with 5+ financed properties.
What it gives you
No Personal Income Docs
No tax returns, no W-2s, no pay stubs — qualify on property cash flow.
LLC Vesting
Close in your business name with simple personal guarantee.
No Limit on Properties
Scale your portfolio without conventional caps.
Cash-Out Up to 75%
Pull cash from rental equity to fund the next acquisition.
How it runs, start to finish
- 1
DSCR Calc
We confirm property rent ÷ PITI ≥ 1.0.
- 2
Apply
Focus on credit and property — minimal personal docs.
- 3
Appraise & Rent Schedule
Appraiser confirms market rent for the property.
- 4
Close
Typical 25–30 days; LLC closings welcome.
Questions people ask about this one
What's a good DSCR?
DSCR ≥ 1.0 qualifies. DSCR ≥ 1.25 unlocks the best rates.
Minimum down?
Typically 20–25% down; 30%+ for short-term rentals or DSCR < 1.0.
Credit minimum?
Most programs require 660; best pricing at 720+.
Can I use projected rent?
Yes — appraiser provides a rent schedule based on local market comps.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
