DSCR Loans
Trusted financing solutions for apartment owners nationwide with competitive rates and flexible terms.
A DSCR loan (Debt Service Coverage Ratio) is a real estate investment loan that qualifies borrowers based on property cash flow, rather than personal income or employment. The key metric is the DSCR, which compares a property’s monthly rental income to its monthly debt obligations.
Agency-Backed Financing for Income-Producing Properties
While traditional DSCR loans are often offered by private or non-QM lenders, CMBS, Fannie Mae and Freddie Mac also offer programs where DSCR plays a central role, especially for multifamily and investment property financing.
At Commercial Lending USA, we guide you through CMBS, agency-backed and private lending options, helping you choose the best fit for your investment strategy.
DSCR Guidelines (Multifamily & Residential)
| Category | Details |
|---|---|
| Minimum DSCR | • 1.25x+ for standard multifamily • 1.40x+ for specialty assets (e.g., student/senior housing) • 1.00x+ for 1–4 unit residential |
| Loan Amounts | • Starting at $1M to $200M for commercial/multifamily • From $150K to $5M for 1–4 unit residential |
| Loan Terms | • Fixed and adjustable-rate options • Terms from 5 to 30 years |
| LTV (Loan-to-Value) | • Up to 80% for purchases • Up to 75% for cash-out refinances |
| Borrower Requirements | • Strong credit profile • Proven experience managing similar properties |
Let’s Find the Right Fit for You
Whether you’re building a rental portfolio or acquiring larger multifamily properties, our expert team is here to guide you through your DSCR loan options—from CMBS or agency-backed solutions to flexible private financing.
Contact us today to get pre-qualified and discover which option is best for your investment goals.
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