Let’s Fund Your Rental Investment!

DSCR

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.

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UP TO
6.375%
RATES FROM*
85%
LTV
10-14
DAY CLOSE
30, 40
I/O OPTION
$100k to $3M

Step 1: Submit Your Deal

DSCR

Benefits

Why Choose Our DSCR Loans?

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.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Loan Details

Monthly Expenses

Simple Qualifications for DSCR Lending

Are We a Good Fit?

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

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Experience

First time investor allowed

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Credit Score

Minimum of 660.

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Liquidity/Reserves

20% Down, 6 Months Reserves

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Property Type

SFR, Condo, Townhome, 1–8 Units

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Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Get Started

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

DSCR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.375%
Loan-to-Value LTV:
85%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$100k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About Elevate Mortgage

I’m a mortgage professional with over 5 years of experience helping real estate investors access fast, flexible financing—without the hassle of traditional banks. I specialize in DSCR (Debt Service Coverage Ratio) loans, which are based on the property’s cash flow, not your personal income or tax returns.

With direct access to over 100 lenders, I tailor solutions to fit your unique investment goals—whether you’re buying your first rental or refinancing a large portfolio. My mission is simple: make financing smooth, strategic, and built for long-term success.

Outside of work, I’m a proud foodie, traveler, and sports enthusiast. My wife and I explore a new country every year, and I bring that same curiosity and dedication to every client I serve.

If you're ready to work with someone who understands your vision and gets the deal done—you’re in the right place.
Let’s grow your real estate empire, together.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000