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DSCR Debt Service Coverage Ratio

Qualify With Rental Income

Interested in An Investor Cash Flow Mortgage?

Contact us today to help guide you through the funding process.

Are you looking to secure financing for your investment property, but concerned about qualifying based on your income or job status? If so, a DSCR investor cash flow loan may be the perfect solution for you.

Use the property’s rental income to qualify for loan. No personal income is needed. Never show your tax returns. 

Who Is this loan for?

Investors who own or looking to purchase the following types of property

  • Rental Properties
  • Investment Property
  • Vacation Rentals
  • Short Term Rentals
Fast DSCR Investment Mortgage


How to calculate debt service coverage ratio?

Debt Service Coverage Ratio is calculated by dividing net operating income by your annual debt servicing obligations.

We offer both ratio DSCR and no ratio DSCR mortgages.

Debt Service Coverage Ratio (DSCR) Formula


Net Operating Income

Total Debt Service

Net Operating Income

Your Net Operating Income is revenue minus your cost of goods sold and your operating expenses. Operating expenses do not need to include taxes, interest payments, depreciation, and amortization.

Total Debt Service

Your Total Debt Service is a year worth of loan principal, loan interest, loan fees, and, if applicable, lease payments. This includes all of your current obligations and the loan you are applying for.
Competitive Rates on DSCR Loans

The Right Loan For You


State Licensing Information
Arizona License/Registration #: MB-1040760 Mortgage Broker License
California - DRE License/Registration #: 02195031 Real Estate Corporation License Mortgage Loan Originator (MLO) License Endorsement
Colorado Mortgage Company Registration
Florida License/Registration #: MBR5647 Mortgage Broker License
Oregon License/Registration #: 2377857 Mortgage Lending License
Texas - SML Mortgage Company License


Prime33 is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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