Más información
Financiamiento DSCR
El financiamiento por Índice de Cobertura del Servicio de Deuda (DSCR) lo califica según si el ingreso de alquiler de la propiedad cubre el pago del préstamo — no su ingreso personal ni sus declaraciones de impuestos, lo que lo hace popular entre inversionistas de bienes raíces.
A rental property loan judged on whether the property's rent covers its payment, rather than on your personal income.
Aplicar AhoraWho it's for
Property investors — especially the self-employed, or anyone whose tax returns understate what they really earn.
How it works
- 1The lender divides the property's rental income by its total payment. That ratio is the DSCR.
- 2A ratio above 1.0 means the rent more than covers the payment.
- 3Because the property qualifies itself, personal tax returns are usually not required.
- 4Terms are long, like a normal mortgage, so it suits holding rather than flipping.
What to watch out for
The ratio is calculated on market rent, not the rent you hope for. A vacancy still leaves the payment due, so keep reserves.
At a glance
- ●Calificación basada en el ingreso de alquiler de la propiedad
- ●No se requiere verificación de ingreso personal ni declaraciones de impuestos
- ●Popular para hacer crecer portafolios de inversión inmobiliaria
- ●Disponible para la mayoría de alquileres residenciales y comerciales pequeños
Common questions
What DSCR do I need?
Most lenders want at least 1.0 and prefer 1.20 or better. Below 1.0 the rent does not cover the payment, and pricing gets much worse.
Really no tax returns?
For the income test, generally yes — that is the point of the product. You will still provide identification, bank details and property documents.