DSCR Loans
For Real Estate Investors – Rental Income-Based Financing
DSCR Loans
For Real Estate Investors – Rental Income-Based Financing
DSCR Loans
Let your rental income cover your loan with Alto Capital’s DSCR Loans. We finance your investment without requiring personal tax returns.
A DSCR Loan (Debt Service Coverage Ratio) is a real estate financing solution designed for real estate investors looking to acquire or refinance rental properties. Unlike traditional loans, approval is based on the property’s ability to generate enough income to cover its debt obligations, rather than focusing on the borrower’s personal income.
Why choose our DSCR loans
Qualification based on property income: No personal income verification or tax returns required.
Flexible terms: Fixed-rate options up to 30 years to stabilize long-term investments.
Simplified process: Less paperwork, faster approval than traditional loans.
Available for international investors: Foreign investors are accepted with minimal rate adjustments.
DSCR Loan Requirements
Bank statements: Last 3 months.
Official ID: Passport, visa (for foreign investors).
Business documents: LLC or Corp registration, EIN, and operating agreement.
Renovation budget (if applicable).
Liquidity reserves: 6 months of cash reserves.
Non-owner occupancy certification.
Credit report & background check: SSN required.
Insurance coverage: Full replacement coverage + $500K liability, plus builder’s risk insurance (if applicable).
Minimum credit score: 700.
Signed loan application.
Purchase contract (if applicable).
Alto Capital’s simple DSCR loan process
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Get the financial backing your real estate investment needs.