DSCR Loans

For real estate investors – Rental income – Based financing

DSCR Loans

For Real Estate Investors – Rental Income-Based Financing

DSCR Loans

Let your rental income cover your loan with Alto Capital’s DSCR Loans. We finance your investment without requiring personal tax returns.

A DSCR Loan (Debt Service Coverage Ratio) is a real estate financing solution designed for investors looking to acquire or refinance rental properties. Unlike traditional loans, approval is based on the property’s ability to generate enough income to cover its debt obligations, rather than focusing on the borrower’s personal income. 

Why choose our
DSCR Loans

Qualification based on property income: No personal income verification or tax returns required.

Flexible terms: Fixed-rate options up to 30 years to stabilize long-term investments.

Simplified process: Less paperwork, faster approval than traditional loans.

Available for international investors: Foreign investors are accepted with minimal rate adjustments.

DSCR Loans

Let your rental income cover your loan with Alto Capital’s DSCR Loans. We finance your investment without requiring personal tax returns.

A DSCR Loan (Debt Service Coverage Ratio) is a real estate financing solution designed for real estate investors looking to acquire or refinance rental properties. Unlike traditional loans, approval is based on the property’s ability to generate enough income to cover its debt obligations, rather than focusing on the borrower’s personal income. 

Why choose our DSCR loans

Qualification based on property income: No personal income verification or tax returns required.

Flexible terms: Fixed-rate options up to 30 years to stabilize long-term investments.

Simplified process: Less paperwork, faster approval than traditional loans.

Available for international investors: Foreign investors are accepted with minimal rate adjustments.

Bank statements: Last 3 months

Official ID: Passport, visa (for foreign investors)

Business documents: LLC or Corp registration, EIN, and operating agreement

Renovation budget (if applicable)

Liquidity reserves: 6 months of cash reserves

Non-owner occupancy certification

Credit report & background check: SSN required

Insurance coverage: Full replacement coverage + $500K liability, plus builder’s risk insurance (if applicable)

Minimum credit score: 680

Signed loan application

Purchase contract (if applicable)

Apply now

Get the financial backing your real estate investment need.

Apply now

Get the financial backing your real estate investment needs.