Investor Cash Flow (DSCR) Loans

Empower your clients with our Investor Premier DSCR products, tailored to meet the diverse needs of real estate investors. Whether financing single-family, multi-family, or cross-collateralizing several properties, these loans offer competitive rates, streamlined qualification based on rental income, and flexible terms to help your clients achieve their investment goals.

Ask us about our DSCR Price-Beat Guarantee!

Products

Investor Premier

Our core DSCR product for 1-4 unit investor properties.
Ideal for borrowers seeking competitive rates and
streamlined qualification based on rental income.

1-4 Unit Financing Allowed
DSCR of .75x
660+ FICO Credit Score
Cash Out Refi to 75% LTV
Purchase/Rate & Term to 75% LTV
DSCR Qualification - No Personal Income Required
Closing as a Business Entity or Individual Allowed
Fixed and Adjustable Rate Terms Available
Rural Properties Allowed
Max 5-Acres
Minimum Loan Amount of $150,000
Maximum Loan Amount of $3,500,000

Investor Premier Plus

Investor Premier Plus is a DSCR product for 1-4 unit business-purpose investment properties with exceptional pricing available. Qualification is based on rental income instead of personal income.

1-4 Unit Financing Allowed
Minimum DSCR of 1.0x
700+ FICO Credit Score
Minimum 3-Year Prepayment Penalty Required
Cash Out Refi to 70% LTV
Purchase/Rate & Term to 75% LTV
DSCR Qualification - No Personal Income Required
Closing as a Business Entity or Individual Allowed
Fixed and Adjustable Rate Terms Available
Max 5-Acres (Rural Ineligible)
Minimum Loan Amount of $150,000
Maximum Loan Amount of $1,500,000

Investor Premier Elite

Investor Premier Elite is a DSCR loan product for Single Family Business Purpose investor residential transactions that allows investors to qualify on a cash-flow basis.

1-4 Unit and Warrantable Condo Financing Allowed
Minimum DSCR of 1.0x
FICO 720+ Min. 1.0x; FICO 680+ Min. 1.2x DSCR
Cash Out Refi to 75% LTV
Purchase/Rate & Term to 80% LTV
DSCR Qualification – No Personal Income Required
Cross Collateral & Foreign Nationals Eligible
Closing as a Business Entity Required
Escrows Required
Fixed and Adjustable Rate Terms Available
Max 10-Acres (Rural Ineligible)
Minimum Loan Amount of $150,000
Maximum Loan Amount of $2,000,000

Investor Premier Multifamily

Investor Premier Multifamily is a DSCR loan product for 5–10 Unit Business Purpose investor residential transactions that allows investors to qualify on a cash-flow basis.

5-10 Unit Financing Allowed
Minimum DSCR of 1.0x
700+ FICO Credit Score
Cash Out Refi to 65% LTV
Purchase/Rate & Term to 70% LTV
No Income or Employment Required*
Closing as a Business Entity or Individual Allowed
Fixed and Adjustable Rate Terms Available
Max 2-Acres (Rural Ineligible)
Minimum Loan Amount of $400,000
Maximum Loan Amount of $2,000,000

Investor Premier Foreign National

Investor Premier Foreign National is a DSCR loan product for Foreign Nationals looking to purchase or refinance 1- 4 unit rental investment properties. Qualification is based on property rental income.

No credit score required
Minimum DSCR of .75x
Cash Out Refi to 65% LTV
Purchase up to 75% LTV
Short and Long-Term Rental
Foreign Nationals closing in an Entity Eligible – LLC, Partnerships, Corporations Allowed
1-4 Unit & Condos Warrantable Condo Investment Properties
Minimum Loan Amount of $175,000
Maximum Loan Amount of $1,500,000

Investor Premier Elite Foreign National

Investor Premier Elite Foreign National is a DSCR loan product for Foreign Nationals looking to purchase or refinance 1-4 unit rental investment properties. Qualification is based on property rental income.

No credit score required
Minimum DSCR of 1.0x
Cash Out Refi to 60% LTV
Purchase up to 65% LTV
Short and Long-Term Rental
Foreign Nationals closing in an Entity Eligible
1-4 Unit & Warrantable Condo Investment Properties
Minimum Loan Amount of $150,000
Maximum Loan Amount of $2,000,000

Investor Premier Cross-Collateral

Investor Premier Cross Collateral is a DSCR loan product designed for investors looking to purchase or refinance multiple 1-4 unit rental properties under a single loan. Qualification is based on property rental income, with flexible terms to support diverse investment strategies.

Loan Amounts: $400,000 - $3,000,000
Blanket Loans: 3-25 properties allowed
1-4 units & condos only (no mixed-use/rural)
Min. DSCR: >=1.20
680+ FICO Credit Score
Cash Out / Rate-Term Refi to 65% LTV
Purchase to 70% LTV
Fixed and Adjustable Rate Terms Available
Investment Properties only (No owner-occupied)
Cash-out: Allowed, can meet reserve needs
Prepayment: Declining & Fixed options up to 5 years
Reserves: 6-50 months PITIA (based on loan size/number of properties)

Investor Premier Elite Cross Collateral

Investor Premier Elite Cross Collateral is a DSCR loan product designed for investors looking to purchase or refinance multiple 1-4 unit rental properties under a single loan. Qualification is based on property rental income, with flexible terms to support diverse investment strategies.

Loan Amounts: $150,000 - $2,000,000
Blanket Loans: 2-20 properties allowed
1-4 units & condos only (no mixed-use/rural)
DSCR: FICO 720+ Min. 1.0x ; FICO 680-719 Min. 1.2x
Credit Score: 680 (max LTV 75%), 700 (max LTV 80%)
Fixed and Adjustable Rate Terms Available
Investment Properties only (No owner-occupied)
Escrows are required
Cash-out: Allowed, 50% can be utilized for reserves
Prepayment: Declining & Fixed options up to 5 years
Reserves: 12-50 months PITIA (based on loan size/number of properties)

Looking for white-label materials or detailed guidelines? Access everything you need on our Broker Resources page.

Frequently Asked Questions

What are DSCR (Investor Cash Flow) Loans?

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on property cash flow, not personal income. These loans use the rental income from the subject property to determine eligibility – no tax returns, W‑2s, or personal DTI required.

Who should consider a DSCR Loan?

DSCR loans are best suited for real estate investors (especially self-employed borrowers or those with multiple properties) who prefer to qualify using rental income instead of personal income. They’re ideal for clients who write off income on taxes, invest through LLCs, or want to scale without hitting DTI limits.

What are the benefits of a DSCR loan?

These loans offer competitive rates, streamlined qualification based on rental income, and flexible terms to help your clients achieve their investment goals. Plus, ask us about our DSCR Price-Beat Guarantee!

Where does Dominion Financial Wholesale offer DSCR Loans?

All US States except: NV, UT (Table Fund Only)