DSCR Loans for AZ Real Estate Investors
DSCR loans for AZ real estate investors. Qualify based on property cash flow.
A Debt Service Coverage Ratio (DSCR) loan is designed specifically for real estate investors. Unlike conventional loans that focus on your personal income, a DSCR loan qualifies you based on the investment property's rental income and its ability to cover the mortgage payments.
How DSCR Loans Work
The calculation is simple: If a property's projected monthly rent is greater than or equal to the proposed monthly mortgage payment (a DSCR ratio of 1.0 or higher), it cash flows, and you can be approved. No personal tax returns or pay stubs are required.
Benefits for Arizona Investors
- No Personal Income Verification: Perfect for self-employed investors or those with complex finances.
- Faster Closings: Less documentation means a more streamlined process.
- Unlimited Properties: Grow your portfolio without being limited by traditional loan caps.
You can read more about investor strategies on our real estate blog.
Jonathan Moses
Senior Loan Officer | NMLS #2064741
This guide was prepared by Jonathan Moses (NMLS #2064741), the senior loan officer and founder of Roadrunner AZ Lending. With years of experience in the Phoenix and Scottsdale markets, Jonathan is dedicated to providing expert, transparent advice. Learn more about Jonathan.