DSCR Loan – Real Estate Investor
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Last updated: August 2025
Welcome to TopOne Mortgage—your Rockville‑based correspondent lender for rental property investors worldwide. A DSCR (Debt Service Coverage Ratio) loan lets you qualify on the property’s cash flow—not your personal tax returns—so you can scale faster whether you live in the U.S. or are a foreign investor. We serve borrowers in Rockville, Maryland, the greater Washington D.C. metro, and international investors from the Middle East, Europe, and Asia.
What Is a DSCR Loan?
A DSCR mortgage is designed for 1‑ to 4‑unit rental property loans. The lender compares the property’s gross rent to the proposed PITIA mortgage payment; if the ratio is ≥ 1.00×, the home qualifies on cash flow alone—no W‑2s, pay stubs, or U.S. credit score required.
- Eligible properties: Single‑family rentals, condos, townhomes, 2–4‑unit multifamily, short‑term rentals (Airbnb / VRBO)
- Loan amounts: Up to $2.5 M per property
- Loan‑to‑Value (LTV): Up to 75 %
- DSCR Requirement: We offer programs for properties with a DSCR of 1.0× or higher (where property income is equal to or greater than the mortgage payment).
- Credit: No U.S. credit required; foreign credit or ITIN OK
- Terms: 30‑year fixed (interest‑only option available)
- Ownership: LLCs, corporations, trusts, or personal name
- Prepayment: Typically 3–5 years, depending on underwriting conditions
- Reserves: 12 months PITIA; funds may stay in an overseas Tier‑1 bank until closing
- Flexible Options: We also have programs for lower DSCRs, typically between 0.75× – 0.99×, which may require adjusted pricing or additional reserves.
- No Ratio Option: Qualify without rental income documentation or DSCR minimums. Our No Ratio programs are perfect for experienced investors with strong credit or assets who are purchasing or refinancing properties that are vacant, under-rented, or used as short-term rentals (like Airbnb/VRBO) where reported income may not reflect full market potential.
Why Choose a DSCR Loan from TopOne?
Asset-based approval: 25%–30% down, with property cash flow (DSCR ≥ 1.0) driving the decision—ideal for foreign national investors without U.S. income.
Foreign credit accepted: Use reference letters from Emirates NBD, HSBC UAE, or other Tier-1 institutions; overseas funds can remain abroad until closing.
Fast, flexible leverage: Up to 75% LTV with 21–30-day closings so you can deploy capital quickly and keep liquidity for the next deal.
Foreign-asset friendly: Reserve funds can stay in overseas accounts and convert only at funding to help hedge FX risk.
Broad property eligibility: Short-term rentals, mixed-use, and small multifamily properties are welcome.
LLC-friendly structure: Hold title in an entity and close via remote online notarization/e-sign from anywhere.
Global investor support: Bilingual staff and lenders experienced with cross-border compliance.
Close fast nationwide: Up to 75% LTV, 30-year fixed or interest-only options, and 21–30-day closings across MD, VA, and nationwide.