Your next property. A thoughtful plan.

DSCR stands for debt-service coverage ratio. These investment-property loans generally evaluate rental income in relation to the property’s loan payments and housing expenses. Lenders also consider factors such as credit, equity or down payment, reserves, and the property itself. Requirements vary by lender and program.

We can compare the options available for your situation. The decision may involve income documentation, property eligibility, closing costs, rates, reserves, and how long you expect to keep the loan. A simpler documentation process does not automatically mean a lower-cost loan.

It may, depending on the loan program and the documentation available. Lenders may review leases, appraiser-supported rent estimates, or income history. Don’t assume every dollar of expected rent will qualify; we’ll review how the applicable program treats it.

We can explore whether a cash-out refinance or another available equity option fits your plans. We’ll discuss the additional debt, costs, cash reserves, and impact on each property. Having equity does not by itself establish eligibility.

Look at fees, payment structure, reserves, and any prepayment penalty. A loan that costs less upfront may cost more if you sell or refinance early. Tell Marc your expected holding period so those tradeoffs are part of the conversation.

Yes. Conventional investment-property financing is available through Lincoln Capital Funding in Michigan, Florida, and Texas. Our DSCR-only service area extends to the locations listed below. You can work directly with Marc by phone and online. Eligibility depends on the property, borrower, and lender program.