Programs
DSCR Loan (Investor Cash Flow)

DSCR Loan (Investor Cash Flow)

Min. FICO 660
Up to 80% LTV

Program Overview:

The premier tool for real estate investors. Legions Capital qualifies landlords based on the rental income of the property rather than personal DTI, allowing rapid portfolio scaling.

Broker Advantage:

  • Scalability: Personal DTI is not calculated, allowing multiple concurrent acquisitions.
  • Privacy: No personal income, employment, or 4506-C required.
  • STR Friendly: Qualify using Airbnb/VRBO histories or professional AirDNA reports.

Highlights:

  • FICO: Minimum 640.
  • LTV (Purchase): Up to 85%.
  • LTV (Cash-Out): Up to 80%.
  • Ratios: Qualify with DSCR as low as 0.80x.
  • Loan Amounts: Max $3,000,000; Min $75,000.
  • Reserves: 6 months PITIA (12 months if DSCR < 1.0x).
  • First-Time Investor: Allowed with 700 FICO and 1.00 DSCR.
  • Vesting: Individual name or entity (LLC, Corp, LLP).
  • Cash-Out Bonus: Proceeds up to $1,000,000 may meet reserve requirements.

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DSCR FAQ

What is a DSCR loan?

A loan qualified using rental income instead of personal income.

How is DSCR calculated?

Rental income divided by PITIA.

Is personal income required?

No.

Can I close in an LLC?

Yes. Entity ownership is allowed.

Are short-term rentals allowed?

Yes.

Exlpore more DSCR Loan (Investor Cash Flow) Loan Programs

Foreign National DSCR

No Score or FICO 660
Up to 75% CLTV
  • Loan amounts up to $3 million
  • Cash-out available
  • DSCR ? 1 required (min FICO 680 or no FICO OK)

1099 Only

Min. FICO 620
Up to 85% CLTV
  • 1099 income for the last 1 year accepted
  • 1-year history with same employer
  • Gift funds allowed

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Weekdays 8 am to 9 pm EST
1(833) 553-0505
21800 Burbank Blvd Suite
#100, Woodland Hills, CA 91367
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Legions Capital, Inc. is an Equal Housing Lender. NMLS ID #1553947. 21800 Burbank Boulevard, Suite 100, Woodland Hills, CA 91367. 818-818-483-4542. State Licensing: Legions Capital, Inc. is licensed by: AZ #BK-2008712 “Arizona Mortgage Banker License”; CA #60DBO-64540 “Licensed by the Department of Financial Protection and Innovation under the California Financing Law”; CO “Mortgage Company Registration”; CT #ML-1553947 “Mortgage Lender License”; FL #MLD2349 "Mortgage Lender Servicer License"; GA #1553947 “Mortgage Lender License/Registration”; MI #FL0026913 “1st Mortgage Broker/Lender Registrar”; OR #1553947 “Mortgage Lending License”; PA #116958 "Mortgage Lender License"; SC-BFI #MLS-1553947 “Mortgage Lender/Servicer License”; TN #1553947 ”Mortgage License”; TX-SML “Mortgage Banker Registration”; WA #CL-1553947 “Washington Consumer Loan Company License”; WI #1553947BR “Mortgage Banker License”. Verify our licenses at: www.nmlsconsumeraccess.org. Texas Consumers: Click here to view the Texas Consumer Complaint & Recovery Fund Notice. Availability: Loan approval and rates are dependent upon applicant’s credit, collateral, financial history, and program availability at time of origination. Programs and rates are subject to change without notice and may or may not be available at the time of loan commitment or lock-in.
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