DSCR Loans

Do you own an investment property with equity and want to purchase another property, refinance, or pull cash out without using your personal income?

At Investment Realty Mortgage Services, we offer strategic DSCR Loan programs designed specifically for real estate investors.

✅ No Personal Income Verification Needed
✅ Minimum 640 FICO Score
✅ Use Rental Income to Qualify
✅ Purchase or Refinance Investment Properties
✅ Cash-Out Options Available
✅ Finance with as little as 20% down
✅ 40-Year Amortization Options Available to Lower Payments

A DSCR (Debt Service Coverage Ratio) loan allows investors to qualify based primarily on the property’s rental income — not tax returns, W2s, or traditional income documentation.

This is a powerful solution for:

• Self-employed borrowers
• Real estate investors
• Clients with multiple write-offs
• Buyers looking to scale their portfolio quickly
• Investors wanting to leverage existing equity
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If your property has equity, this program may allow you to:

• Pull cash out for additional investments
• Lower monthly payments
• Consolidate debt
• Expand your real estate portfolio faster

Inventory and investor opportunities are moving quickly. The sooner you review your options, the better positioned you are to act.