You’re working with a real estate investor who’s ready to expand their portfolio. The rental income looks solid, the credit profile checks out, and everything should move forward until financing gets in the way. That’s where LendSure’s DSCR Loan Program comes in.
Traditional lenders demand tax returns, W-2s, and personal income verification, which don’t always reflect how investors manage their finances. Depreciation, business deductions, and write-offs can make income look lower than it really is, and that can stop a deal in its tracks.
LendSure’s DSCR Loan Program gives brokers an alternative. Instead of relying on personal income, these loans are structured around the property’s cash flow. That means real estate investors can qualify based on rental income rather than tax documentation.
What is a DSCR Loan?
A DSCR Loan allows investors to qualify for financing based on the property’s rental income.
✔ No tax returns or W-2s required
✔ No personal income verification
✔ Loan decisions based on property cash flow
How DSCR is Calculated
Lenders use the DSCR formula to determine whether a property generates enough income to cover the mortgage payment.
DSCR = Gross Rents or Form 1007/216 ÷ Total Debt Payments
DISCLAIMER: The following scenario is hypothetical and provided for illustrative purposes only. The actual loan terms available may vary from the example as rates and terms change based on the location and type of property or other factors.
For example:
- A 5-unit rental property generates $11,000 per month in rent
- The total mortgage payment, including taxes and insurance, is $10,000 per month
- DSCR = $11,000 ÷ $10,000 = 1.1
In this scenario, an investor qualifies for financing because the property’s rental income covers more than the mortgage payment.
At LendSure, the minimum DSCR requirements are:
- 1-4 unit properties: DSCR above 1.0
- 5-10 unit properties: DSCR at least 1.1
LendSure also allows qualification based on market rents, not just current lease agreements, which is especially useful for properties with vacancies or below-market rents.
What Makes LendSure’s DSCR Loan Program Stand Out?
LendSure’s DSCR loans give brokers a flexible way to secure financing for real estate investors.
Here’s what sets this program apart:
✔ Loan Amounts up to $3M – More purchasing power for investors
✔ Close Multiple Loans for the Same Investor – Streamline financing across multiple properties
✔ Flexible Expense Ratios – Qualify based on interest-only payments for better cash flow
✔ Finance up to 10 Properties at a Time – No limit on total properties owned
✔ Non-Warrantable Condos & Condotels Allowed – More opportunities for investment properties
These features make it easier for brokers to close deals that traditional lenders might decline.
Who Can Benefit from LendSure’s DSCR Loan Program?
Brokers and loan officers should consider DSCR loans for:
- Investors Expanding Their Portfolio – Buyers looking to finance multiple rental properties
- Self-Employed Borrowers – Investors with complex tax filings who don’t want to rely on W-2s
- Real Estate Professionals & House Flippers – Those reinvesting capital into new deals
- Buyers of Non-Warrantable Condos & Condotels – Properties that don’t meet conventional guidelines
Because these loans focus on property cash flow rather than personal income, they give brokers more options to offer their borrowers.
How Brokers Can Close More Deals with DSCR Loans
Brokers who understand how to position DSCR loans can turn more leads into closed deals.
- Match Investors with the Right Financing – If a borrower struggles with personal income verification, a DSCR loan can be the solution.
- Expand Lending Options – Traditional financing won’t always work for real estate investors. Brokers who offer DSCR loans can serve a broader client base.
- Provide Higher Loan Amounts – DSCR loans allow for larger purchases and cash-out refinancing.
- Offer Faster Pre-Qualifications – No personal income verification means less paperwork and faster approvals.
Brokers who actively market DSCR loan solutions can position themselves as go-to financing partners for real estate investors.
How to Get Started with LendSure’s DSCR Loan Program
At LendSure, we make the process simple and broker-friendly:
✔ Fast Pre-Qualification – Brokers get answers quickly to keep deals moving
✔ Dedicated Account Executives – Hands-on support from initial inquiry to closing
✔ Competitive Terms & High LTVs – Flexible financing solutions that fit investor needs
For brokers and loan officers, offering DSCR loans is an opportunity to close more deals, help more investors, and grow their businesses.
The LendSure Way
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with a unique circumstance seeking a loan. We work hard to offer our common-sense take on lending to borrowers seeking funding for the home of their dreams, another addition to their investment property portfolio, or refinancing of a currently-owned property.
Are you ready to benefit from a common-sense approach to lending? Contact us today to learn more about Non-QM loans and how partnering with LendSure Mortgage Corp. can help grow your bottom line.
