DSCR

(Debt Service Coverage Ratio)

Introducing Chase Capital Holdings' Long-Term Financing Options
DSCR loans offer a great solution for Real Estate Investors seeking long term financing for income producing properties. Unlike conventional loans, DSCR loans prioritize the properties cash flow as the primary measure of repayment capacity. This means that lenders assess the ability to make loan payments based on the cash flow generated by the property, rather than relying solely on collateral or personal creditworthiness. This results in quicker underwriting decisions and less documentation required from the borrower, while still offering competitive rates similar to conventional loans.

Product Features

  • Loan Amounts up to $3MM

  • Purchase up to 80% LTV

  • Rate and Term / Cash-Out Refi up to 75% LTV

  • Fully Amortizing or Interest Only Payment Options

  • 640 Minimum FICO

  • Minimum DSCR: .75

  • Minimum $125K Loan Amount

    • Minimum $200K for LTV > 75%

  • 15 & 30 Year Fixed Rate - 10 year I.O. Options

  • 0-5 year Prepayment Penalty Options

  • Simplified Underwriting Process

  • Short and Long Term Rentals Allowed