DSCR Investor

DSCRHawaii.com

Element Mortgage Works With 8 DSCR Lenders to help find you a better deal and get your deal done with confidence!

DSCR = Debt Service Coverage Ratio

Under the Debt Service Coverage documentation options, property income is used to qualify the transaction (no income or employment on application and no supporting income documents needed)

DSCR is defined as gross rents divided by qualifying PITIA (Principal + Interest + Tax + Insurance + HOA Fees)

2 main levels of DSCR Pricing

  • Level #1: 1.00 and greater (example rent $10,000/m and total payment $10,000 or less)
  • Level #2: 0.75- 0.99 (example rent $10,000/m and total payment $10,001 - $13,333)

 

Appraiser prepares short-term (AirBNB) or Long Term Rent Schedule

Debt Service Coverage is available to Experienced and First Time Investors purchasing or refinancing investment properties to hold for business purpose (cannot be 1st time home buyer)

100% of the rents can be used and no vacancy factor is required

Debt Service Coverage Ratio is a Business Purpose Loan (Investment properties ONLY)

Purchase Loans up to $3.5m

Cash Out up to $1.5m (up to 75% Loan to Value)

Vest in LLC, Partnership, S-Corp or Corp - Minority members (< =15%) can remain off the loan (no personal guarantee)

When close in LLC does not report to personal credit report

Gift Funds Allow up to 100%!

Ready to take the next step with your DSCR investment?

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CONTACT INFO

5-4280 Kuhio Hwy #G-210-C
Princeville, HI 96722

LICENSING

NMLS# 232489
NMLS# 1850
CA BRE# 01215943

Licensed by the Dept of Financial Protection and Innovation under the CRMLA

Not Available in New York

Equal Housing Opportunity

© 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.