DSCR Loans Made Easy

Make the Cash Flow on Your Investment Property!



Access your free DSCR Cash Flow Loan rate quote or talk to a loan advisor today about your situation.
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A Loan Designed with Investors Like You in Mind

Investment properties are all about creating profit and our unique loan product keeps your monthly cash flow a priority. The DSCR Cash Flow loan qualifies you on your property’s expected rental income, not your personal income or debt which means you don’t need to meet income, debt, or employment requirements other financing options require. You also get great perks like faster closings and loan options to lower your monthly payments. Whether you’re hoping to refinance your investment property or looking to add to your real estate portfolio, Newfi is here to help!

The Newfi Advantage


Investor Focused.

Newfi Lending specializes in helping real estate investors finance their real estate portfolios with ease.

1,300+ Reviews.

With a 4.88 star rating on Experience.com from over 1,300 customers, you can rest easy knowing you’re in good hands!

Easy-to-Use Technology

The Newfi Loan Center will walk you through every step of the way. From getting a quote, to closing.

Frequently Asked Questions

What is a DSCR Cash Flow Loan?

A Debt Service Coverage Ratio, or DSCR, Cash Flow loan is an investment property mortgage that borrowers qualify for based on the cash-flow of the rental property. A lender uses the estimated market rent for an investment property to determine if your expected rental income will cover your monthly loan payments. This is different from a traditional loan option that qualifies you based on employment and debt qualifications. These loans are also referred to as business purpose or private lender loans.

How Does the DSCR Cash Flow Loan Help Create Cash Flow?

At Newfi, we qualify you based on the ability to generate rent that covers the mortgage payment you have. We offer Interest Only loan terms that can lower your monthly obligation and create more cash flowing into your pocket month over month!

What are the Benefits of a DSCR Cash Flow Loan?

At Newfi, a DSCR Cash Flow loan offers:

  • Faster Loan Process
  • Loan Terms that can Lower Your Monthly Payments
    • 30- and 40-Year Interest Only Mortgages
  • Less Documentation Needed
    • No proof of income (W2’s, tax returns, or paystubs)
    • No DTI (Debt-to-Income) requirement
    • No employment required (Full time investors welcome!)

Why Should I Do a DSCR Cash Flow Loan with Newfi?

Newfi specializes in investment property mortgage solutions and we’ve been able to offer unique opportunities to meet our borrowers’ needs. With Newfi, you can expect:

  • A Dedicated Loan Team to Help You Through the Process
  • More Loan Options
  • Faster Closings
  • A Simplified Loan Process

What is the First Step for Getting a DSCR Cash Flow Loan?

Because everyone has their own unique situation, we recommend speaking to a loan advisor about your options as your first step. Go to newfi.com/get-started or fill out the form on this page for a free consultation with one of our licensed loan advisors!

What are the Benefits of a DSCR Cash Flow Loan?

With a DSCR Cash Flow loan you’re able to qualify without proof of employment or personal income (tax returns, W2’s, or paystubs). Instead we determine your ability to qualify by using the expected market rent of your property. This simplifies the loan process, requires less documentation and gives you more options! We offer more loan terms with 15- or 30-Year Fixed Mortgages, and 30- and 40-Year Interest Only Mortgages for investment properties. Additionally, our qualification process makes it easier on full-time real estate investors or self-employed individuals looking to start their investment property portfolio because of our unique approach.

What are DSCR Cash Flow Rates?

Your exact investment property rates depend on the interest rate you qualify for and the term you select. Contact us to review your options and calculate your new payment.

Can I Refinance an Investment Property Without a Tenant?

Yes! With a DSCR Cash Flow loan from Newfi, you can refinance your investment property regardless of if you have a tenant or not.

Why Should I Refinance My Investment Property?

Refinancing can be a great option for those who are looking to:

  • Take Cash Out to Make Renovations
  • Lower Their Monthly Payments and Create Greater Cash Flow
  • Use Equity to Invest in a New Property

Speak to a loan advisor today about your situation by filling out the form on this page!

Up front information, quick responses

to any questions and very easy to work with!”

–  Mike G.

                     Suisun City, CA.