Questions? We have answers.
FREQUENTLY ASKED QUESTIONS (FAQ)
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investor loan that qualifies borrowers based on the income generated by the property rather than personal income. Approval is determined by whether the rental income can cover the monthly mortgage payment.
Who qualifies for a DSCR loan?
DSCR loans are designed for real estate investors, including:
- Buy-and-hold investors
- Short-term and long-term rental owners
- Fix-and-flip investors (program dependent)
- First-time and experienced investors
- Individuals and business entities (LLCs, corporations, and trusts)
Do I need to provide tax returns or W-2s?
No. DSCR loans do not require personal income verification such as W-2s or tax returns. Qualification is based primarily on the property’s rental income.
Can I close in an LLC or business entity?
Yes. DSCR loans are available for LLCs, corporations, and other business entities.
How is DSCR calculated?
DSCR compares the property’s monthly rental income to its monthly debt obligation. A DSCR of 1.0 or higher typically means the property generates enough income to cover its mortgage payment.
What types of properties qualify?
Eligible properties may include:
- Single-family rental homes
- Duplexes, triplexes, and fourplexes
- Short-term rental properties (Airbnb/VRBO)
- Long-term rental properties
- Some mixed-use and small multifamily properties
Program guidelines vary based on property type and strategy.
Can I use DSCR loans to refinance?
Yes. DSCR loans can be used for both purchases and refinances, including cash-out refinancing (program dependent).
Do I need perfect credit?
No. DSCR loans are not solely credit-driven. The strength of the deal and property cash flow are the primary factors in approval.
How quickly can I close?
Many DSCR and investor loans can close faster than traditional financing, depending on property type, documentation, and appraisal timelines.
Are there limits on how many properties I can finance?
Limits depend on the program and lender guidelines. Portfolio investors may qualify for multiple properties under DSCR loan programs.
Do you offer fix-and-flip funding?
Yes. US Patriot Capital provides funding solutions for fix-and-flip projects, including private money and short-term investor loans.
What is a Proof of Funds letter?
A Proof of Funds (POF) letter confirms that capital is available for a transaction, helping investors strengthen offers and negotiate with sellers.
What documents are required to get started?
Typically required documents include:
- Property address and purchase price
- Estimated or current rental income
- Exit strategy (hold, refinance, or sell)
- Entity information (if applicable)
Additional documents may be required depending on the program.
Do you work with first-time investors?
Yes. We work with both first-time and experienced real estate investors.
What markets do you serve?
US Patriot Capital provides funding solutions nationwide.
Why choose US Patriot Capital?
We offer:
- Investor-focused lending solutions
- DSCR-based approvals
- Flexible qualification guidelines
- Fast and transparent communication
- Nationwide funding programs
- Ethical and client-first practices
Our mission is to help investors grow and succeed through smart funding strategies.
How do I get started?
Getting started is simple.
Submit your deal today or contact US Patriot Capital to discuss your investment goals and funding options.