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Growth 4 U, understands the world of private money lending. We strive to partner our clients with a lender who has extensive experience in DSCR Loans. With us,  business owners achieve their goals through " Faith Lead" decisions and great partnerships for their development or reconstruction projects.  

What is a DSCR LOAN?   A DSCR is a loan, that  could allow you to secure financing without pay stubs, W-2s, or tax returns.  A DSCR loan is a mortgage designed for real estate investors buying income-producing properties. Approval is based on the property’s debt service coverage ratio (DSCR), a metric used to determine whether the property can generate enough income to cover its mortgage payment.  DSCR loans have become popular due to their unique qualification criteria. Unlike traditional investment loans, approval is based on the property’s current or projected income, meaning you could secure financing with low personal income or a high debt-to-income (DTI) ratio. 

Let’s say you’re buying an investment property for $500,000.

 Annually, it’s expected to bring in $42,000 in rent ($3,500/month), has $12,000 in (non-debt) expenses ($1,000/month), and will require $18,000 in total mortgage payments ($1,500/month).

First, deduct your expenses from rental income to determine your net operating income (NOI):

$42,000 - $12,000 = $30,000 NOI.

Then, divide your NOI by your mortgage payment:

$30,000 (NOI) / $18,000 (debt) = 1.66 DSCR!

• NEW BUILDS 
• FIX -N- FLIP
• TURN KEY 
• LONG & SHORT TERM 
• UP TO 10 PROPERTIES 

• CONDOS 
• TOWNHOMES
• SINGLE HOMES
• 1 - 4 UNIT MULTI FAMILY UNIT
• 5 - 8 UNITS PURCHASE ONLY 

• 10 -20 % DOWN
• SINGLE HOMES
• FAST APPROVALS 
• 5 - 8 UNITS PURCHASE 
• 1 - 4 UNIT MULTI FAMILY UNIT