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DSCR Loans

Made Easy

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

Have Questions? Call Us at (888)-316-3934!

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Property Rate Quote

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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!

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 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.


Customers Helped


Reviews Averaging 4.88/5 Stars


Lending in 40 States

What are the Requirements

for a DSCR

Cash Flow Loan?

  • Down Payments As Low As 20%
  • Credit Scores As Low As 620
  • Minimum Loan Amount $100k
  • Maximum Loan Amount $2.5M
  • At least 36 months of Mortgage Experience
  • Residential Properties Only
  • 1-8 Unit Properties

Frequently Asked Questions

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

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!

What States Does Newfi Lend In?

We lend in Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming.