A reference library, kept by a broker

Why this site exists

“DSCR loan” is often described as if it were a single product. In practice it is a family of program structures, each written by wholesale lenders with its own assumptions about the borrower, the property and how rent should be measured. A standard program, a no-ratio program and a short-term rental program can treat the same house in three different ways.

We built this site as a catalog of those structures. Each program has a card that explains how it works, who it tends to fit and what it trades away, and a comparison table lines them up side by side. The aim is that you arrive at a conversation already knowing which drawers are worth opening.

What we do

DSCR Loan Programs is a mortgage broker brand. We are not a lender. We arrange and shop financing from wholesale lenders: we review an investor’s scenario, compare it with the guidelines of the programs available to us, explain the realistic options, and help assemble a file for the structure that fits best. The wholesale lender underwrites, approves and funds the loan.

Who we work with

We work only on business-purpose loans for non-owner-occupied investment property — rentals owned by individuals or by entities such as LLCs. We do not arrange loans for a home you or your family will live in, and we do not offer owner-occupied or consumer mortgage products.

How we write

• We describe structures, not promises. Guidelines differ across wholesale lenders and change over time.
• We do not publish rates or pricing. Those only mean something for a specific, reviewed scenario.
• We stay qualitative unless a figure is sourced, dated and clearly labeled.
• Every article is written for this site and reviewed for plain language.

Licensing

Full details, including how to verify a license, are on the licensing page.