Debt Service Coverage Ratio (DSCR) is a financial metric used to assess a borrower’s ability to servicedebt obligations. It is especially useful when it comes to financing investment properties. DSCR is calculated by dividing the net operating income (NOI) of a property by the annual debt payments, and it indicates how much cash flow is available to service debt obligations.

Our DSCR loan program is an excellent option for investors, including first-time investors, who want to acquire a rental property without providing employment or income verification. Unlike traditional mortgage loans, our DSCR program does not rely on the borrower’s personal income, but on the cashflow generated by the property. This means that even if the borrower has a high debt-to-income ratio, they can still qualify for a loan.

One of the significant benefits of our DSCR loan program is that it allows investors to purchase properties in an LLC, trust, or individual’s name. Additionally, our DSCR loan program offers up to 85% LTV, which means that borrowers can finance a large portion of the property’s value, and have a downpayment as little as 15%. This can be especially beneficial for investors who want to use leverage to increase their returns.

At LISA HOME MORTGAGE™, we understand the unique needs of real estate investors, and our DSCR loan program is designed to help them achieve their investment goals. Whether you’re a seasoned investor or a first-time buyer, our experienced team can help you navigate the loan application process and get the financing you need to make your investment property a success.

Disclaimer: Mortgage options are funded by 3rd party Lenders, and all underwriting requirements are based on 3rd party Lenders and Investors. Guidelines and mortgage options requirements and are subject to change. This is not a promise or commitment for a mortgage loan. Mortgage loan options may not be available in all States. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. For full licensing information, go to: www.nmlsconsumeraccess.org.

Contact Us

11880 Bustleton Avenue, Suite 204,
Philadelphia, PA 19116

Toll-Free: +1 833-835-6267
Fax: (215) 330-4930
Email: info@lisahomemortgage.com


MON-FRI: 9:00 am - 5:00 pm EST
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SUN: Closed


LISA HOME MORTGAGE™ , LLC. NMLS 1758932. Full licensing information, go to: NMLSConsumerAccess.org. Equal Housing Opportunity. This Licensee is performing acts for which a Mortgage Broker license is required. LISA HOME MORTGAGE™ , LLC, DBA LISA HOME MORTGAGE™ . The content in this advertisement is for informational purposes only. This is not a promise for a mortgage. This is not an offer for an extension of credit or a commitment to lend. Loan Approval is not guaranteed and is subject to lender review of information. All loans are subject to underwriting guidelines and guidelines are subject to change without notice. All loan options are funded through 3rd party Lenders. Loan descriptions are based on associated Lenders, Investors, and underwriting requirements. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change without notice due to market conditions. LISA HOME MORTGAGE™ is approved to broker FHA and VA loans to approved lenders. LISA HOME MORTGAGE™ is not affiliated with any government agency. Loan programs may not be available in all States. Licensed by the Pennsylvania Department of Banking - License 71074; Delaware Broker - License 03114; California Department of Financial Protection and Innovation Financing Law - License 60DBO-124075; Colorado Division of Real Estate Mortgage Company Registration; Alabama State Banking Department Mortgage Brokers - License 23071; Louisiana Residential Mortgage Lending License Office of Financial Institutions – License 1758932; Texas Department of Savings and Mortgage Lending Mortgage Company - License 1758932.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.