What is DSCR Loans?
DSCR (Debt Service Coverage Ratio) is a financial metric used to assess whether a property’s rental income is sufficient to cover its mortgage payments. It’s a key factor for real estate investors seeking financing based on a property’s cash flow — not personal income.
At Globus Commercial Advisors, we make it easier to qualify for real estate investment loans using the DSCR model. Whether you’re just starting or growing a large portfolio, our DSCR loan programs are tailored for speed, flexibility, and simplicity.
Explore Our DSCR Loan Programs
Learn how DSCR loans work, who qualifies, and how to boost your DSCR to improve loan approval.
Long-term financing solutions for investors buying or refinancing 1 to 100 rental units.
Why Choose DSCR Loans with Globus Capital Advisors?
✅ No personal income or job verification
✅ Close in as fast as 5 business days
✅ Available for U.S. and foreign investors
✅ Flexible DSCR qualification (as low as 0.75 or even No Ratio)
✅ No TRID waiting period on select programs
✅ Nationwide lending coverage
DSCR “No Ratio” Options Available
Even if your property isn’t cash-flow positive, we have solutions. Our No-Ratio DSCR loans do not require a minimum DSCR, giving flexibility to newer investors or properties undergoing transitions.
How to Calculate DSCR
There are multiple ways to calculate DSCR depending on the loan type:
🔹 Standard DSCR Calculation
Monthly Gross Rent ÷ Monthly PITIA = DSCR
Example: $6,000 ÷ $5,000 = 1.20 DSCR
🔹 Interest-Only DSCR
Monthly Gross Rent ÷ Monthly ITIA = DSCR
Example: $6,000 ÷ $4,800 = 1.25 DSCR
🔹 Short-Term Rental (STR) or Airbnb DSCR
(12-Month Gross Income × 0.80) ÷ Monthly PITIA
Example: $7,650 × 0.80 ÷ $4,250 = 1.44 DSCR
PITIA = Principal + Interest + Taxes + Insurance + Association Fees
ITIA = Interest + Taxes + Insurance + Association Fees (Interest-Only loans)
Grow Your Real Estate Business with Globus Capital Advisors
Our DSCR loans are tailored to investors — whether you’re expanding your portfolio, refinancing to access equity, or buying your next rental. Partner with a team that puts cash-flow-first financing at the center of your success.