DSCR Investor 40-Year Loan Programs Now Available at MortgageDepot
As investor needs continue to evolve, long-term financing options with aggressive qualification standards are more important than ever. Our Investor (DSCR) program delivers precisely that.
What Is the Investor (DSCR) Loan?
Our Debt Service Coverage Ratio (DSCR) Investor program allows borrowers to qualify based on a property’s projected monthly rental income, rather than personal income, tax returns, or employment history.
- Real estate investors
- Portfolio landlords
- Long-term buy-and-hold strategies
- Borrowers scaling multiple properties
With this program, investors can finance up to 20 properties, making it a powerful tool for efficiently building and expanding a real estate portfolio.
Features of the DSCR Investor Program
- 40-Year Fully Amortized Option
- 40-Year Interest-Only Option
- Loan amounts up to $3 million
- Available for purchases and refinances
- Qualification based on rental income (DSCR)
- No traditional income verification
- Designed for long-term real estate investors
These extended-term options significantly reduce monthly payments, helping investors preserve cash flow and reinvest capital into additional properties.
Pre-Payment Options for Better Pricing
Long-term investors may elect to add a 1-, 2-, or 3-year pre-payment penalty in exchange for more favorable pricing. As long as the property is not sold or paid off within the agreed pre-payment period, borrowers benefit from lower interest rates, creating meaningful savings that can be redeployed elsewhere in their investment strategy.
Built to Help Investors Scale
Our mission is to help borrowers grow and scale their real estate portfolios with financing solutions that align with real-world investment goals. The DSCR Investor 40-Year programs are ideal for investors seeking:
- Long-term stability
- Improved cash flow
- Portfolio expansion
- Flexible exit strategies
Whether you’re acquiring your next rental, refinancing to improve terms, or restructuring a growing portfolio, this program delivers the flexibility today’s investors need.
Contact us to learn more about the Investor (DSCR) 40-Year programs and see how we can support your investment strategy.
