Cash Flow-Driven Financing
DSCR
DSCR loans are designed for investors who want to qualify based on property performance—not personal income. Approval is driven by the property’s cash flow, allowing you to scale your portfolio without traditional tax return or employment hurdles. With flexible structures and a streamlined process, DSCR financing makes it easier to acquire, refinance, and hold income-producing properties with confidence.
UP TO
80%
LTV
10-22
DAY CLOSE
30/40
I/O OPTION
$75K UP TO $5M
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Cash Flow-Driven Financing
Why Choose Our DSCR Loans?
DSCR loans offer a simplified, cash flow–based financing solution that qualifies properties on performance—not personal income. Built for experienced investors, this program makes it easier to secure capital for acquisitions, refinances, and portfolio expansion. With flexible structures, competitive pricing, and an efficient approval process, DSCR financing supports investors who want to move quickly and scale with confidence.
DSCR Calculator
Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).
Simplified DSCR Eligibility
Are We A Good Fit?
Our DSCR loans are built for investors focused on long-term portfolio growth. Qualification is based on property performance, with simple, investor-friendly requirements.
Experience
First time investor allowed
Credit Score
Minimum of 640.
Liquidity/Reserves
20% Down, 6 Months Reserves
Property Type
SFR, Condo, Townhome, 1–8 Units
Additional Requirements
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
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Begin your Journey today!
Key Loan Terms for Real Estate Investors
DSCR Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
640
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Loan-to-Value LTV:
20%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$75k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, No Seasoning
Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units
Expert Support for DSCR Lending
Effortless Process:
Simplify the loan process with clear, straightforward approvals.
Quick Funding:
Secure your loan within 10-14 days to act on time-sensitive opportunities.
Tailored Lending Solutions:
Designed for real estate investors with flexible, investor-focused terms.
Trusted Expertise:
Work with a team that understands the unique challenges and opportunities of real estate investing.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
