How this option works
DSCR means Debt Service Coverage Ratio. These programs assess qualifying rental income against the debt service required by the lender’s calculation. The treatment of rents, payments, vacancies, and property expenses depends on the program. Credit, assets, property eligibility, and other underwriting requirements still matter.
What to prepare for a consultation
- The investment property address and type, if already identified.
- Whether you are purchasing, refinancing, or exploring a cash-out refinance.
- Available lease or rental-income information and current financing details.
- Your ownership plans, available funds, and intended rental use.
Questions to discuss
- How does this lender calculate qualifying rent and debt service?
- Is the property type and intended rental use eligible?
- What fees, reserve requirements, and any prepayment penalty apply?
The DSCR programs described here are for eligible business-purpose investment properties, not a borrower’s primary residence. No particular ratio, rate, or approval outcome is promised.
Discuss your plans with our Bay Area team
Based in Richmond, California, Pacific East provides real estate and mortgage services across the San Francisco Bay Area. Start with your property goals and an overview of the documents you can provide.
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