Investment Property & DSCR Loans
Financing Built for Real Estate Investors
Explore financing options designed around investment properties and real-estate opportunities, including DSCR loans.
Answer a few short questions and a Merchant One Financial loan specialist will follow up. No obligation.
- Rental property purchase and refinance scenarios
- DSCR programs evaluated around a property’s rental income
- Guidance from an experienced loan specialist
Rental Properties
Financing for residential investment properties
Multiple Options
Access to multiple loan programs
Florida Expertise
Experience with Florida real estate
No Obligation
Review options without a commitment
Get Started
Explore My Investment Loan Options
Answer a few quick questions. A Merchant One Financial loan specialist will review the information you provide.
Investment Financing
Financing for Your Investment Strategy
Whether you are adding your first rental or growing a portfolio, a loan specialist can help you explore programs that may fit your plans.
Rental Properties
Financing options for non-owner-occupied residential properties held as rentals, subject to program and property eligibility.
Purchase
Explore financing to acquire an investment property, with guidance on the documentation and funds your scenario may require.
Refinance
Explore refinancing an existing investment property, including rate-and-term or cash-out options where eligible.
Portfolio Growth
Talk with a loan specialist about financing approaches that may fit investors who own, or plan to own, multiple properties.
DSCR Explained
How DSCR Loans Work
DSCR stands for debt service coverage ratio. DSCR loans are commonly evaluated primarily around the property’s rental-income characteristics, rather than using the same income-documentation approach as a traditional owner-occupied mortgage.
In general terms, the ratio compares a property’s rental income with its housing expense, such as principal, interest, taxes, insurance and any association dues. Each lender sets its own requirements for the ratio, credit, down payment, reserves, property types and loan amounts, and those requirements can change.
A loan specialist can review your scenario and explain the specific program guidelines that apply to you.
What a Lender May Review
- The property’s rental income
- The property’s monthly housing expense
- Your credit history
- Your down payment or equity
- Reserves and property type
How It Works
How the Process Works
Share your scenario
Tell us about the property, whether you are purchasing or refinancing, and your investment goals.
Review program options
A loan specialist reviews your information and explains investment loan programs that may fit.
Move forward with confidence
If you choose to proceed, we help guide you through documentation and the application process.
FAQ
Investment Loan Questions, Answered
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan is a type of investment property loan that is commonly evaluated primarily around the property’s rental income relative to its housing expense, rather than the same personal income-documentation approach used for a traditional owner-occupied mortgage.
Can I use a DSCR loan to buy a home I will live in?
DSCR programs are generally designed for investment properties rather than owner-occupied homes. If you plan to live in the property, a loan specialist can discuss other mortgage options.
What credit score, down payment or ratio do I need?
Requirements vary by lender and program and can change over time. Rather than publish general figures that may not apply to you, we review your specific scenario and explain the current guidelines for programs that may fit.
Can I refinance an investment property I already own?
Refinance options, including cash-out where eligible, may be available for investment properties. Talk with a loan specialist about your property and goals.
Investment property financing is subject to program availability, property eligibility, credit approval and underwriting guidelines. Requirements, terms and availability vary by program and are subject to change without notice. This is not a commitment to lend.
Ready to Talk About Your Next Property?
Share your scenario or call to speak with a loan specialist.
Merchant One Financial LLC — your trusted Florida mortgage broker since 2015.
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Our Locations
Largo
12800 Indian Rocks Rd #5c
Largo, FL 33774
Belleair
2401 West Bay Dr #4110
Largo, FL 33770
Merchant One Financial LLC · NMLS #1469870 · NMLS Consumer Access
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
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