What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is an investment property loan that qualifies borrowers based on the property’s rental income rather than personal income or tax returns. If the property generates enough income to cover the mortgage payments, you can qualify — making DSCR loans the perfect solution for investors who want to scale their portfolios without the limitations of traditional lending.
Why Choose JH Apex Capital for DSCR Loans?
No Income Verification
Qualify based on the property’s cash flow, not your W-2s or tax returns.
Scale Your Portfolio
No limit on the number of properties you can finance. Grow your rental portfolio faster.
Long-Term Stability
30-year fixed and adjustable rate options for predictable cash flow management.
DSCR Loan Terms
Loan Amounts
$100K – $3M+
Term Length
30-Year Fixed & ARM Options
Interest Rates
Starting at 7.5%
DSCR Requirement
1.0+ (Breakeven or Better)
LTV
Up to 80%
Property Types
SFR, 2-4 Units, Condos, Townhomes
How DSCR Qualification Works
01
Property Income Analysis
We evaluate your property’s rental income against the proposed mortgage payment.
02
DSCR Calculation
If the property’s income covers the debt (DSCR of 1.0 or higher), you qualify.
03
Close & Cash Flow
Lock in your rate, close quickly, and start building long-term wealth.
“I own 12 rental properties and banks stopped lending to me after property number 4. JH Apex Capital’s DSCR program let me continue growing my portfolio based solely on each property’s cash flow. Game changer.”
