DSCR Loans program
Looking to grow your real estate portfolio using rental income? At Globus Capital Advisors, we offer DSCR (Debt Service Coverage Ratio) loans — a smart financing option for real estate investors who generate consistent rental income and want funding without relying on personal income verification.
Introduction
A DSCR loan is based on the cash flow generated by your investment property, not your personal income. These loans are ideal for investors with solid rental income, making it easier to qualify even if you’re self-employed or don’t have traditional W-2 income.
Understanding DSCR (Debt-Service Coverage Ratio)
The Debt Service Coverage Ratio shows how well your rental income covers your loan payments. It’s calculated like this:
DSCR = Net Operating Income ÷ Total Debt Payments
Lenders generally look for a DSCR of 1.2 or higher — this means your property earns at least 20% more than what’s needed to cover the loan payments.
Key Features of Our DSCR Loans
Loan Amounts: $75,000 to $2 million
Property Types: Single-family homes, condos, townhomes, and 1-4 unit residences
Use Cases: Purchase or refinance investment properties
Loan-to-Value (LTV): Up to 75% of the property’s value
Terms: 30-year fixed available
Eligibility: U.S. residents and foreign nationals
No income verification required
Nationwide availability
Why Choose a DSCR Loan with Globus Capital Advisors?
✅ No personal income documentation needed
✅ Fast approvals based on property cash flow
✅ Great for full-time and part-time investors
✅ Ideal for building your rental property portfolio
Improve Your DSCR & Boost Loan Approval Chances
If your DSCR is under 1.2, you can take steps to improve it:
Pay off existing debt to reduce financial burden
Trim operating costs to raise net income
Streamline operations for better efficiency
Increase rent if your property is below market rate
These actions can make you a more attractive borrower and increase your loan eligibility.
Example
If your rental property generates $100,000 in annual net income and your annual loan payments are $65,000, your DSCR is:
$100,000 ÷ $65,000 = 1.54 — a strong ratio that signals to lenders that your property can easily handle loan payments.
Ready to Grow with a DSCR Loan?
Whether you’re buying a new investment property or refinancing to free up cash, Globus Capital Advisors can help you unlock opportunities with a DSCR loan. Focus on the performance of your property — and we’ll take care of the rest.
Start your DSCR loan journey today. Contact us for a free consultation.