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DSCR Loans

Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.

We Close When Others Can’t
5.625%
Lowest Rate*
85%
Max LTV
10-14
Day Close
30, 40 Yr
I/O Option
$75K
Minimum Loan
$5M
Maximum Loan
1-4 Units

Why Choose Our DSCR Loans?

LiButti Capital’s DSCR (Debt Service Coverage Ratio) loans provide a streamlined financing solution based on property cash flow rather than personal income. Perfect for experienced investors, these loans simplify the process of accessing capital for acquisitions, refinancing, or portfolio growth.

With competitive rates and flexible terms, DSCR loans are ideal for real estate professionals looking for quick, hassle-free funding to support their investment strategies.

Simple Qualifications

Are We a Good Fit?

Our loans are built to be flexible and fast for investors focused on building long-term wealth. To qualify, you’ll need:

Experience

First-time investors OK.

Credit Score

Minimum of 640.

Liquidity / Reserves

0% down; 0-6 months of reserves.

Property Type

SFR, condos, townhomes, or 2-10 unit residential properties.

Additional Requirements

No-ratio available, no seasoning on cash-out, vacant & rural properties accepted.

DSCR Loans

DSCR Calculator

Debt Service Coverage Ratio = monthly rent ÷ total monthly expenses (P&I + other).

Key Loan Terms for Real Estate Investors

DSCR Loans Highlights

Transparent and investor-focused loan terms

Product Type
DSCR
Experience Required
First Time Investor OK
Minimum Credit Score
640
Min DSCR
No-Ratio Available
Reserves
0-6 mo. Reserves
Prepayment Penalty
Optional
Closing Timeline
10 to 14 Days
Rate
From 5.625%
Loan-to-Value (LTV)
Up to 85%
Loan Term
30, 40 Yr or Interest Only
Asset Types
SFR, Condo, Townhome, 1-10 Units
Loan Amount
$75k - $5M
Why LiButti

Expert Support for DSCR Lending

  • Effortless Process:We make the loan process clear and straightforward, with fast approvals.
  • Quick Turnarounds:Reliable closings, typically within 10-14 days.
  • Customized Solutions:Options tailored to your specific investment goals.
  • Dependable Expertise:Years of investor-lending experience on your side.
LiButti Capital support