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DSCR Loans

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. DSCR Loans make it easy for real estate investors to qualify for an investment property mortgage!

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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 mortgage 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!

Get In Touch with a Newfi Senior Loan Advisor Today!

Our team of dedicated Senior Loan Advisors are here to help you find the right mortgage solution for your situation.

What Are Income Requirements For A DSCR Loan?

There are no income requirements for DSCR mortgage financing. Instead, lenders use 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.


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Lending in 40 States

What are DSCR

Loan Requirements?

Newfi’s DSCR Home Loan Guidelines are outlined below. If you’re ready to talk to a Newfi Senior Loan Advisor, you can click here to get started.

  • Down Payments As Low As 20%
  • Credit Scores As Low As 640
  • Minimum Loan Amount $100k
  • Maximum Loan Amount $3.5M
  • At least 12 Months of Homeownership
  • Residential Properties Only
  • 1-4 Unit Properties

Frequently Asked Questions

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

How Do Lenders Calculate DSCR for a Mortgage Loan? 

Lenders calculate DSCR by taking the estimated monthly rental income from your property and dividing it by the monthly debt you currently have. This allows lenders to evaluate whether or not you’re able to pay your mortgage payment along with your other debts.

What are the DSCR Loan Credit Requirements? 

DSCR Loans require a minimum of a 640 credit score to qualify. Your credit requirements will depend on the property type, loan amount, and other factors like DSCR ratio. A Newfi Loan Advisor can give you your specific credit requirements for your situation.

What is the DSCR Loan Minimum Down Payment? 

At Newfi, real estate investors looking to use a DSCR loan to qualify can use as little as 20% down. Our minimum down payment of 20% is based on other qualifying factors like credit score, loan amount, and DSCR calculation. Reach out to a loan advisor to review your specific situation.

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!)

Can I Get a DSCR Loan as a First Time Investor? 

Yes, you can be a first time real estate investor or be buying an investment property for the first time and still qualify for a DSCR loan with Newfi. You cannot get a DSCR loan without mortgage experience, you must have had homeownership and mortgage history.

Can I Get a DSCR Loan if I Don’t Live in the United States? 

Yes! Newfi’s Foreign National program serves borrowers in the following countries: Australia, Canada, Finland, Germany, Greenland, Guam, India, Japan, Mexico, South Korea, Puerto Rico, United Kingdom. 

How Does a 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!

How Do I Apply for a DSCR Loan? 

Ready to start investing in real estate? Click here or call us at (888)316-3934 to get in touch with a Newfi Senior Loan Advisor today.

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 or fill out the form on this page for a free consultation with one of our licensed loan advisors!

What are Requirements for a Foreign Nationals DSCR Loan ? 

  • Loan Amounts to $1.5M
  • 25% Down Payment
  • Multiple Loan Term Options Available
    • 15, 30 & 40 Year Fixed Interest Rate Terms
    • 30 & 40 Year Interest Only Terms
  • Must Have Owned an Investment Property in the Previous 36 Months

What Types of Properties Can I Finance with a DSCR Loan? 

At Newfi, borrowers can finance both single family and multi-family properties up to 4 units.

What are DSCR Loan 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 My 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 one of our Senior Loan Advisors today about your situation by filling out the form at the top of the page!

What States Does Newfi Lend In? 

We lend in Alabama, Alaska, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and Wyoming. Real estate investors can get a DSCR loan in any of these states.

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