DSCR LOANS

Unlock Rental Income Potential with Debt Service Coverage Ratio (DSCR) Loans

At WR Financial Solutions, we make real estate investing simple. With DSCR Loans, approval is based on the property’s cash flow—not your personal income. Whether you’re growing your rental portfolio or refinancing for better terms, our DSCR solutions help investors maximize opportunity without traditional hurdles.

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) Loan evaluates the property’s ability to generate rental income to cover debt payments. Instead of focusing on tax returns or W-2s, lenders focus on the income potential of your investment property.

This makes DSCR Loans ideal for investors seeking fast, flexible, and scalable financing.

Why Choose a DSCR Loan?

• No Personal Income Verification – Approval is based on property cash flow, not tax returns.
  
  

• Fast Closings – Move quickly on new acquisitions and refinances.
  
  

• Flexible Loan Options – Long-term financing for rental properties (up to 30 years).
  
  

• Portfolio Growth – Scale your real estate business with ease.
  
  

• Great for Self-Employed Investors – No W-2s, pay stubs, or traditional underwriting hassles.
  
  

Loan Features

• Loan Amounts: $75,000 – $5,000,000+
  
  

• Terms: 5/1, 7/1, 30-year fixed, and interest-only options available
  
  

• Up to 80% LTV on purchases and refinances
  
  

• Qualification based on Debt Service Coverage Ratio (DSCR ≥ 1.0)
  
  

• Available for single-family rentals, condos, townhomes, and multifamily (up to 8 units)
  
  

Who It’s For

• Investors building or refinancing rental property portfolios
  
  

• Self-employed individuals and business owners
  
  

• Real estate entrepreneurs seeking passive income streams
  
  

• Credit-rebuilding investors who can leverage property cash flow over income docs
  
  

The WR Advantage

With WR Financial Solutions, you get more than financing—you get strategy. Our DSCR Loan program is designed to help you secure long-term cash flow, maximize leverage, and position your portfolio for legacy wealth. Guided by integrity and purpose, we help you move beyond transactions into momentum that multiplies.

Get Started Today

Ready to build your rental portfolio with smart, cash-flow-based financing? Our team is here to guide you every step of the way.