Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-308-2540

cindy@cliffmortgages.com

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DSCR Loans for Real Estate Investors

Qualify based on rental income, not tax returns

DSCR Loans – Smart Financing for Real Estate Investors

Qualify for DSCR loans based on rental income

A DSCR loan is a simple way for real estate investors to qualify for financing without relying on personal income or tax returns. Instead, the property’s rental income is compared to the loan payment — making approval faster and easier.

SFR, PUD, Condo (Warrantable and Non-Warrantable), 2-4 units, Condotels.

That means you can grow your rental portfolio without the paperwork and stress of traditional lending.

Why Investors Choose DSCR Loans

✅ Qualify based on property cash flow, not personal income
✅ Flexible ratios: 1.0, below 1.0 to .75, and even “No Ratio” options available
✅ High LTVs up to 85%
✅ Loan amounts from $75K to $3M
✅ First-time investors welcome – experience not required
✅ Wide property eligibility: SFR, condos (warrantable & non-warrantable), condotels, PUDs, 2–4 units
✅ Works for both short-term and long-term rentals
✅ Business entity ownership allowed (LLC, Corp, etc.)
✅ Programs vary with each situation

Example of Program Highlights

Who This Program Works Best For

Ready to Get Started?

A DSCR loan is one of the easiest ways to scale your real estate investments. If you’d like to see how much you qualify for, let’s connect by phone at 970-308-2540, or begin a loan application below.

📲 Start My DSCR Loan Consultation

Get Started