When working with clients who don’t qualify for conventional financing, finding the right alternative solution is key to winning the deal – and keeping your pipeline strong. At Dominion Financial Wholesale, DSCR loans are not just a product, they’re our specialty. With flexible guidelines, aggressive pricing, and streamlined processes, our DSCR loans for 1–4 unit properties helps brokers close more investor loans with confidence.
What Is a DSCR Loan?
Unlike traditional mortgages, DSCR loans qualify your clients based on the cash flow of the property, not their personal income. This makes it an ideal solution for clients who:
– Are self-employed with limited verifiable income
– Have multiple streams of income not easily documented
– Want to avoid full doc requirements altogether
Instead of calculating debt-to-income (DTI), we look at how well the property’s rental income covers the loan payment. It’s a simplified, property-focused approach to underwriting.
Why Brokers Choose Our DSCR Program
We’ve designed our DSCR loan program to give brokers a true competitive advantage. Here’s what makes it stand out:
– Up to 80% LTV on purchases
– Up to 70% LTV for rate/term and cash-out refinances
– Loan amounts up to $3.5 million
– First-time clients welcome – no prior landlord experience required
– No TRID – use a GFE or LOI
– Originate in states that don’t require licensing
– Optional loan processing support available
Plus, we offer a Price Beat Guarantee* so you can confidently match or beat competing offers.
*Must meet our Premier Plus or Premier Elite guidelines.
Basic Program Requirements
To ensure program alignment, clients must meet the following criteria:
– Minimum two-year employment history
– Must qualify under our Premier Plus or Premier Elite guidelines
There’s no need for income verification, tax returns, or W-2s. If the property qualifies, your client qualifies.
Flexible, Fast, and Broker-Focused
Our DSCR loans are purpose-built for non-traditional borrowers who need flexible qualification options. Whether your client is buying their first 4-unit property or refinancing one they already own, our program offers the speed and flexibility you need to keep deals moving.
Let’s Get Your Next Deal Started
With Dominion Financial Wholesale’s DSCR loans for 1–4 units, you don’t have to turn away qualified clients just because they don’t check the traditional boxes. Tap into a lending solution that expands your reach, simplifies your process, and helps you close more deals.
Get approved with Dominion Financial Wholesale or log in to the Broker Portal to see how we can help.
