Buy your next rental
DSCR Purchase Loans for Real Estate Investors
A DSCR purchase loan helps an investor buy a rental property, using the property’s income as the main way to qualify. We broker these loans in many states.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM
01 / Understand the loan
What to Know About DSCR Purchase Loans
Ready to add to your portfolio?
With a DSCR purchase loan, the lender asks whether the expected rent can cover the new loan payment. It is meant for investment property you will rent out.
Some lenders call this a DSCR acquisition loan. You will still need to show funds for the down payment and reserves, and the lender will review your credit and the property.
02 / See how it fits
Who It Helps
- Investors buying a rental home or small multifamily
- Buyers who want to qualify on rent
- Investors growing a portfolio
- Buyers purchasing through an LLC
What to Have Ready
Requirements differ by lender and program. These items often come up:
- A completed loan application and credit authorization
- The purchase contract
- A lease or rent estimate
- Entity papers if buying in an LLC
- Proof of down payment and reserves
03 / Wherever your deal is
DSCR Purchase Loans in Many States
We work with investors by phone and video, so you can book a call from wherever your property is. We can broker business purpose loans in the states below. Programs, terms, and availability depend on the lender and the state.
- Alabama
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Investing in Los Angeles? See DSCR Purchase Loans in Los Angeles or see where we work.
04 / A little clarity
Common Questions
Can I buy a vacant property?
Often a rent estimate can be used for an eligible vacant property. It depends on the lender.
How much do I put down?
The amount depends on the lender, the property, and your qualifications.
Is a DSCR purchase loan for a primary home?
No. It is for investment property.
Can I buy in more than one state?
We broker in the states listed on this page. Terms vary, so ask us about each property.
05 / Explore your options
Other Investor Loans
Know Who You’re Working With
The Funding Clinic is a mortgage broker. We arrange loans funded by third-party lenders. View our BBB business profile to learn more about our company. Read our Google reviews
Your next move starts here
Ready to talk about your deal?
Tell us about your deal. We will help you find the right loan.
The Funding ClinicMailing address: 5665 W. Wilshire Blvd #1506, Los Angeles, CA 90036(844) 524-3863 · Mon–Fri 9:00 AM–5:00 PM