Certified Capital Home Loans Inc.
(657) 390-0450

Investor DSCR Loans

The Debt Service Coverage Ratio (DSCR) loan program is for our entrepreneurial real estate investor clients that are adding to their investment portfolios.  Our investor clients rely on Certified Capital Home Loans expertise to secure the financing necessary to continue adding to their real estate investments.  One of our benchmark programs is our debt to service ratio programs that allow qualification based solely on the merits of the property being purchased vice the income of the borrower.  Call Certified Capital Home Loans today to discuss next steps to investing in real estate.

This premier program allows for the income qualification of the purchase to be based on the ratio arrived at comparing the forecasted rental income of the property with the monthly mortgage payment.  For example, the property being purchased is a tri-plex property with $8,500 total rents from 3 tenants, and an impounded monthly mortgage amount of $8,000 (with tax and insurance), this example property has a debt to income ratio (DTIR) of 1.06.  We then consider the down payment potential and credit history of the client to arrive at a preapproval determination.  This is such a powerful lending program for our real estate investment clientele, and our investor experienced team is standing by to assist with your RE investment goals.

  • Our seamless process will quickly determine your eligibility for this program.  The merits of the specific property is considered, along with the borrowers credit history and ability to meet the down payment requirements of the various programs (usually 10 percent or more of the purchase price of the property)

Any property you can purchase with a conventional or VA loan you can usually purchase with a DSCR type loan

  • The significant benefit of purchasing investment real estate with a DSCR loan is that the qualification is based on the merits of the property.  This enables the investor purchaser to purchase more properties sooner in order to realize their real estate investment goals.  

Easy, call us at Certified Capital Home Loans today to start the path of building your real estate investment portfolio.  We'll gather the necessary information to get you on your way to becoming a real estate investor

Yes, DSCR loans are for Real Estate investors, so each DSCR purchase is based on the merits of each property, ability to address the down payment and remaining solid credit history.

  • VA Loans made prior to March 1, 1988 can be assumed with no qualifying of the new buyer. If the buyer defaults the property the Veteran homeowner may be liable for the funds.
  • Some sellers are hesitant to work with someone obtaining a VA Loan because it takes longer than a conventional loan to process.
  • Sellers are often asked to pay a portion of closing costs and therefore less likely to negotiate the sales price of the home.