DSCR Loans for Real Estate Investors

A Debt Service Coverage Ratio (DSCR) loan lets investors qualify based on the rental income of the subject property — not personal income. G Elite Capital funds DSCR loans across 48 states with common-sense underwriting, LLC vesting, and unlimited property count.

Why investors choose our DSCR program

DSCR loans are built for buy-and-hold investors who want to scale without traditional income documentation.

• No W-2s, tax returns, or DTI requirements
• Qualify on property cash flow — DSCR as low as 0.75 with reserves
• Up to 85% LTV on purchase, 80% cash-out refinance
• 30-year fixed, 5/1 ARM, 7/1 ARM, and interest-only options
• Vesting in LLC, LP, or personal name
• Short-term rentals (Airbnb, VRBO) and mid-term rentals eligible

DSCR program terms

Loan sizing runs from $100K to $3M+ on 1–4 unit residential and 5–10 unit multifamily.

Frequently asked questions

What DSCR ratio do I need to qualify?

Most G Elite Capital DSCR programs start at a 1.0 ratio for best pricing, but we can go down to 0.75 (and no-ratio in select cases) with compensating factors like larger down payment, reserves, or short-term rental income.

Can I close a DSCR loan in an LLC?

Yes. LLC, LP, and corporation vesting is standard on DSCR loans and does not change pricing.

How fast can a DSCR loan close?

Typical closings are 21–30 days from application. Clean files with appraisal in hand can close in as little as 14 days.

Are short-term rental (Airbnb) properties eligible?

Yes. We can use projected or actual STR income (AirDNA / market rent analysis) for qualification on eligible programs.

Apply now · Talk to a loan advisor

https://gelitecapital.com/loans/dscr