DSCR Loans (Investment Loans)

A Debt Service Coverage Ratio (DSCR) loan can be a powerful tool for expanding your real estate portfolio. Owning real estate can be an excellent investment vehicle with the right financing and management of risk. Preferred Rate offers its visionary investment program to make your investment goals possible.

DSCR = Gross Rent/Proposed PITIA (ITIA for Interest Only Loans)

Product highlights

Qualify using property cash flow, not personal income
Loan amounts up to $3,000,000
Up to 85% LTV for purchase and rate/term refinance
Borrower can own unlimited financed properties
Employment/Income qualification not applicable
Interest-only options available
600 minimum credit score
Business entity and LLC vesting allowed
Non-warrantable condos and condotels allowed on exception
Short-term rentals allowed
ITIN and Foreign National borrowers eligible

Borrower advantages

DSCR loans take into account the property’s ability to generate income, not just the borrower’s creditworthiness. This means that, compared to traditional loans, they may qualify for a larger loan amount based on the property’s cash flow potential.
DSCR loans are specifically designed to ensure a property’s operating income comfortably covers its debt obligations. This not only reduces financial risk but also enhances an investor’s ability to manage multiple properties simultaneously without stretching their resources too thin.

Realtor advantages

DSCR financing opens up a broader range of property options for your clients.
By incorporating DSCR loans into the financing mix, clients can strategically acquire properties with sustainable cash flow.
Assist first-time investors as they get into the market through cash flow qualifications.

What Clients Say About Us

“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”

Megan H

“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”

Savannah C

“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.

Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”

Nate W

“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”

Taylor S

“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”

The McCulley’s