Welcome to Capital Group

Ultimate Guide to the Best DSCR Lenders 

The best DSCR lenders in the market understand how to structure your loan terms to help you accomplish your goals and get your deal done. The best DSCR lenders can provide you with consistent access to capital to continue to grow your real estate investment portfolio.

Capital Group is private lender that offers real estate investment capital and business loans for real estate investors and business owners. They specialize in DSCR Loans for Investors and are the only lender that offers up to 85 LTV for DSCR Loans.  Capital Group offers DSCR loans with no income required or job required. We also offer 0.00 DSCR Loans.

Best DSCR Lender Highest LTV 85% Capital Group

1. Purchase Money Only DSCR Loans
2. 0x30x12 Payment history is required
3. Minimum DSCR 1.26
4. 1-4 Family only (no condo)
5. No Short Term Rentals
6. First Time Investors - OK
7. Eligible in all states except HI and MS.
8. Minimum Fico: 720

Get Approve For A DSCR Loan Programs for Investors With the      Best DSCR Lenders

Capital Group offers DSCR loans in Nationwide. We offer DSCR loans calculators for home DSCR loans and commercial real estate DSCR loans to determine the income, credit and reserve requirements to qualify for e-commerce transactions. As a private money lender we can lend you a private money DSCR loan quickly, without requiring much documentation, and only on the cash amount of your equity is our primary underwriting criteria as an asset base loan.

DSCR Loans

Get Access to DSCR Loans With Capital Group

DSCR loans are for real estate investors who invest in real estate properties

Fast DSCR Loan Programs

 Get Approve For A DSCR Loan Programs for Investors

Capital Group offers the Best DSCR loans Nationwide. The DSCR loan industry is growing rapidly. Today with a real estate investor, it’s important to understand how it works so you can access the most reliable capital at consistently competitive loan terms. In this volatile market, there’s a wide variance in DSCR mortgage loan terms and lender performance standards.

BEST DSCR Lenders for Savvy Real Estate Investing

What is a Debt Service Coverage Ratio  DSCR loan? it is a type of mortgage loan specifically designed for real estate investors. Unlike traditional mortgages, which heavily consider personal income and assets, DSCR loans primarily focus on the property’s income and its ability to cover the monthly mortgage payments, which include the principle, interest, taxes and insurances (PITI’s).  The primary function is to measure the investment property cash flow.

dscr loan companies

 DSCR Loans Up To 85% LTV For Real Estate Investments

DSCR Loan Up To 85% LTV

Capital Group is excited to announce the High 85% LTV DSCR Loan Program for Real Estate Investment Purchases.

We’re the premiere and best DSCR Lender for real estate investments.  We believe you should be rewarded if you have a stronger investment and other components that offer less risk.

Best DSCR Lenders For Real Estate Investors

Capita Group

Capital Group is private lender that offers real estate investment capital and business loans for real estate investors and business owners. They specialize in DSCR Loans for Investors and are the only lender that offers up to 85 LTV for DSCR Loans.  Capital Group offers DSCR loans with no income required or job required. We also offer 0.00 DSCR Loans.

Easy Qualifying Guidelines:


  • Reserves from 3 months
  • Cash-out can be used as reserves
  • Asset seasoning: 1 month
  • Gift funds allowed
  • Interest-only payments available to 0% LTV
  • Short-term rental income permitted
  • AirDNA permitted on purchase
  • First-time investor OK
  • Delayed financing = rate/term
  • Non-warrantable condos permitted
  • Current rent or 1007 – whichever is higher
DSCR Program
DSCR Ratio
Reserve Required
Min Loan Amount
DSCR Loan 100B
0.80 or Greater
 12 Months
DSCR Loan 110O
0.00 No Minimum
   3 Months
DSCR Loan 120P
1.00 or Greater
   3 Months
DSCR Loan 130Y
0.00 No Minimum
   6 Months



  • 660+ FICO up to 70% LTV
  • Loan amounts starting at $100,000 up to $2M
  • Minimum debt service coverage ratio of .80
  • Eligible on investment purchases, rate/term and cash-out refinances
  • Finance up to 20 properties
  • Minimum of 12 months’ reserves required
    • Additional 6 months’ reserves required per financed property
  • Pre-payment penalty options: 3/2/1, 2/1, 1/1
  • Appraisals from two different appraisers required for loans over $1.5M



  • 660+ FICO up to 80% LTV
  • Loan amounts starting at $75,000 up to $2M
  • Minimum debt service coverage ratio of 0.00
  • Eligible on investment purchases, rate/term and cash-out refinances
  • Finance up to 20 properties
  • Minimum of 3 months’ reserves required
    • Minimum of 6 months’ reserves required for loan amounts greater than $500,000
  • Pre-payment penalty options: 3/2/1, 2/1, 1/1
  • Appraisals from two different appraisers required for loans over $1.5M
  • Eligible to close in an LLC (Limited Liability Company)



  • 660+ FICO up to 80% LTV
  • Loan amounts starting at $50,000 up to $3M
  • Minimum debt service coverage ratio of 1.00
  • Eligible on investment purchases, rate/term and cash-out refinances
  • No limit on the number of financed properties
  • Minimum of 3 months’ reserves required
  • Pre-payment penalty options: 3/2/1, 2/1, 1/1
  • Eligible to close in an LLC (Limited Liability Company)



  • 575+ FICO up to 80% LTV
  • Loan amounts up to $2M
  • Minimum debt service coverage ratio of 0.00
  • Eligible on investment purchases, rate/term and cash-out refinances
  • Finance up to 20 properties
  • Minimum of 6 months’ reserves required
  • Pre-payment penalty options: 3/2/1, 2/1, 1/1
  • Appraisals from two different appraisers required for loans over $1.5M
  • Eligible to close in an LLC (Limited Liability Company)

Nationwide Lender in All 50 States

Change Lending

Borrowers can qualify with flexible terms, including using rental property cash flow or debt service coverage ratio (DSCR), for example. No income qualifying is required. The Investor mortgage is ideal for borrowers who don’t want to provide personal income documentation, or are unable to qualify using traditional debt-to-income ratios.

Program Highlights

  • DSCR qualified off I/O payment
  • Recently listed/cash-out OK
  • Large deposits do not need to be sourced
  • Vest in LLC
  • Up to 80% LTV to $1.5M
  • Up to 75% LTV for cash-out
  • 2-4 units up to 80% LTV; condos up to 75% LTV
  • DSCR as low as .75
  • Up to $2 million loan amounts
  • 3+ years credit event OK
  • Reserves from 3 months
  • Cash-out can be used as reserves
  • Asset seasoning: 1 month
  • Gift funds allowed
  • Interest-only payments available to 0% LTV
  • Short-term rental income permitted
  • AirDNA permitted on purchase
  • First-time investor OK
  • Delayed financing = rate/term
  • Non-warrantable condos permitted
  • Current rent or 1007 – whichever is higher
A & D Mortgage

The DSCR program is specifically designed to assist new and experienced real estate investors in financing their properties, qualifying based on the cash flow generated by the investment.

Program features

  • 1007 only for rental income
  • DSCR as low as 0
  • Only 3 months of reserves required
  • Cash-out available up to 70% LTV
  • Gift funds allowed

Why choose our DSCR?

  • No income and no employment needed
  • No ratio loans — borrowers do not have to worry about the debt service coverage ratio
  • Fastest turn times in the industry
Angel Oak
  • Loans up to $3 million with a minimum of $100,000
  • Qualification based on property cash flow
  • No personal income or employment information required
  • Properties can be in LLC’s name
  • Vacant properties allowed
  • No limit on total number of properties
  • Purchase and cash-out or rate-term refinance
  • 30 year interest only available
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained.
  • Non-warrantable condos allowed
  • Non-permanent residents allowed
  • Condotels now allowed (contact your local account executive for eligibility requirements)
  • Short-term rentals allowed (AirDNA reports accepted)
  • DSCR < 1.0 and no DSCR options available
  • We currently offer business purpose loans from approved clients who may hold an active license in some states but not the one for the subject property. The states for which this may apply are CO, FL, GA, IN, LA, NM, OH, OK, PA, SC, WA, and WI.
First Security Financial

Property Investors can build their portfolios faster with our Investor Cash Flow Program.

  • Qualification based on property cash flow
    • Minimum DSCR* 1.0
    • DSCR 1.00 – 0.85 minimum 700 FICO® and max 80 % LTV
    • No DSCR needed with minimum 700 FICO®  and max 75% LTV
  • Credit scores starting at 600
  • No personal income / no employment needed
  • Up to 80% LTV
  • 40-year fixed-rate interest only available
  • Loans up to $1.5 million, $75K minimum
  • No limit on total number of properties
  • Purchase and cash-out or rate-term refinance
  • Properties can be in LLC’s name
  • Non-warrantable condos OK
Acra Lending

Qualify with DSCR on the subject property, No income or employment required

  • Min 575 FICO
  • Loan amounts up to $3M
  • Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos
  • Non-Owner Occupied only
  • No income or job verification
  • No Prepay Options available
Northpointe Bank

Northpointe Bank’s Investor Cash Flow loan program is built for borrowers, including LLCs,
seeking financing for investment properties utilizing the rental income to determine cash
flow. With loan amounts up to $2,000,000 and loan-to-value ratios up to 80%, we provide
affordable solutions for more borrowers.

Program features:
• Maximum loan amount of $2,000,000
• 30-year fixed and 5/6, 7/6 ARM options available
• 10-year interest-only terms available
• Eligible for cash out refinance
• Loan-to-value ratios up to 80%
• Minimum credit score of 620
• Qualification based on cash flow of investment property
• LLCs are eligible with guarantor
• Minimum DSCR requirement of 0.75
• Non-warrantable condos including condotels are eligible
• Available in all 50 states and Washington D.C.

Dominion Financial


Dominion Financial offers 30-Year Rental Loans based on debt-service coverage ratio (DSCR) for new purchases and refinances. Shorter timeline? No prepay options available. Preserve optionality with the security of a 30-year fixed interest rate loan with reduced prepay duration.


Bluepoint Mortgage

Investment Property Loans (NOO Only). 

  • FICO’s as low as 620 (PLATINUM)
  • LTVs up to 80%
  • Cash-out may be used as reserves
  • $3.0MM Max Loan Amount
  • First-Time Homebuyers not eligible
  • No personal income documentation required
  • DSCR No Ratio Option Available (GOLD)

30-Year DSCR

    • Rental property based on DSCR

    • SFR (1-4 unit), condo, townhome

    • Long or short term leases

    • Up to 80% of value

    • 30-year term (7/6 ARM option at 1.2X DSCR)

    • $75k – $2M+

    • Purchase or refinance

    • Non-recourse options available

    • Foreign nationals eligible

  • Nationwide lending
Lynk Capital

DSCR Loans for Rental Properties

Long- and Short-Term Rental Loans for Growing Portfolios

Rental Loan Details

Qualify based on your property’s income (DSCR)

No DTI calculation are required

No personal tax returns needed

Min FICO: 660

LTV up to 80%

Purchase, Rate/Term and Cash Out

Competitive interest rates

30-year terms

We’re funding real estate investors in 30+ states. In addition to DSCR loans, we also lend on new construction and renovation projects.  

Best Dscr lenders

DSCR Loans for Active Investors

As a real estate investor seeking higher return on investment deals you will need to find a private lender that will help you build your portfolio and who can close fast on more profitable real estate deals such as Capital Group.

best dscr lenders

Best DSCR Lenders For Debt Service Coverage Ratio Guidelines Easy  Qualifying

Identifying the best DSCR lenders is key for real estate investors who prioritize a loan’s ability to leverage property cash flow. The right DSCR lender can transform your investing strategy by offering tailored terms that cater to your investment needs. Here, you’ll discover a straightforward rundown of leading lenders, distilled insights into their DSCR loan offerings, and how these could bolster your real estate endeavors.

Key Takeaways

  • DSCR loans provide real estate investors with alternative financing options based on property cash flow rather than personal income, offering various forms including interest-only and adjustable-rate mortgages.
  • When selecting a DSCR lender, investors must evaluate interest rates, loan terms, lender reputation, and the ability to customize loan options to fit their specific investment strategy.
  • The best DSCR lenders offer diverse loan products tailored to different investment needs and scenarios, with attention to factors like fixed versus interest-only payments, loan-to-value ratios, and borrower entity type.

Understanding DSCR Loans

Illustration of a property with cash flow

In the world of real estate investing, DSCR loans stand out as a beacon of opportunity for those looking to maximize their investment potential. Unlike traditional lending methods that focus heavily on the borrower’s personal income, DSCR loans zoom in on the cash flow of the property in question. This distinct approach ensures that investors from various financial backgrounds, including the self-employed and those engaged in niche strategies, can find fertile ground for funding their ventures.

Next, we examine the mechanics of DSCR loans to understand their essential role in smart real estate investing.

Debt Service Coverage Ratio Defined

At the heart of every DSCR loan lies the Debt Service Coverage Ratio, also known as the debt service cover ratio, a key metric that lenders scrutinize to gauge the financial health of an income-producing property. It’s a simple yet powerful formula: the property’s annual net operating income divided by its annual debt service obligations. Lenders have a soft spot for a DSCR of 1.20 or higher, an indicator that the property’s income comfortably exceeds its debt payments by at least 20%.

Optimizing the DSCR not only helps investors secure loan approval but also enhances their properties into robust, income-generating assets.

How DSCR Loans Differ from Traditional Loans

DSCR loans are the mavericks of the lending world, offering a degree of flexibility that traditional mortgages often can’t match. They come dressed in various forms, from interest-only payments that ease the initial financial burden to adjustable-rate mortgages that can adapt to the investor’s long-term strategy. This is a realm where credit investors play a unique role, often stepping in as aggregators, and where the personal financial history of the borrower takes a backseat to the property’s income potential. Understanding the DSCR loan terms is crucial for making the most of these financing options.

DSCR loans, offered by various DSCR loan companies, open up a world of diverse and lucrative real estate investment opportunities through investment property loans.

Top Factors to Consider When Choosing a DSCR Lender

Illustration of factors to consider when choosing a DSCR lender

Choosing the right DSCR lender is akin to selecting a dance partner – the right match can lead to an elegant performance, while a misstep can result in a clumsy tumble. The rhythm of this dance is set by various factors: the type of loan, the gracefulness of the terms, and the reputation of the lender. It’s a decision that requires a careful balance between the investor’s strategy and the lender’s offerings.

We now turn our attention to critical elements to ponder in this partnership for your real estate investment to flow smoothly from one step to the next.

Interest Rates and Loan Terms

When it comes to DSCR loans, the tempo is often dictated by interest rates and loan terms. With rates typically oscillating between 8.75% and 10.25%, and closing costs carving out 2% to 5% of the loan amount, the financial landscape of your investment can be profoundly impacted. Investors should waltz through the marketplace, comparing the various fees and charges, to secure a loan that harmonizes with their property’s potential.

dscr lenders, hard money loans, mortgage loan

Keep in mind that, while DSCR loans may have higher rates than conventional loans, their flexibility could orchestrate a more lucrative investment.

Lender Reputation and Experience

The reputation and experience of a DSCR lender can be the spotlight that shines on your real estate portfolio, illuminating the path to success. A lender with a diversified repertoire of loan types signals their ability to adapt to your unique investment choreography. Moreover, navigating the nuances of specialized loan needs requires a lender with a seasoned hand, one that can lead you through the intricate steps of investing in properties held in an LLC or located in rural landscapes.

Selecting a lender with a proven track record is akin to striking the perfect chord – it has the potential to uplift your investment tremendously.

Flexibility and Customization

In the grand ballroom of real estate investing, flexibility and customization are the hallmarks of a versatile DSCR lender. Whether you’re aiming for high leverage or investing in diverse property types, a lender that tailors their financing solutions to your risk profile and investment strategy is essential. Like a tailor fitting a suit, a lender that crafts loan terms to the contours of your investment property can make all the difference.  As a premiere DSCR Loan providers our programs offer investors greater opportunities for positive cash flow.

The goal is to find private lenders who not only furnish the funds but also tailor them to align with your unique real estate aspirations.

Best DSCR Lenders: Our Top Picks

Illustration of top DSCR lenders

With the stage set for understanding the nuances of DSCR loans, it’s time to spotlight our top picks of lenders who can turn your real estate investment dreams into a reality. From the bustling markets of New York to the tailored offerings of specialized financial groups, these lenders have carved out a niche for themselves as the best in the business. Each brings a unique set of advantages to the table, ensuring that, regardless of your investment strategy, there’s a DSCR lender out there that resonates with your needs.

Let’s examine these financial virtuosos in more detail.

New Silver Lending

New Silver Lending orchestrates a melody that resonates with investors looking for stability in their financing. Offering 30-year fixed DSCR loans designed for the crescendo of stabilized properties, they accentuate the importance of property income in covering monthly debt repayments.

Investors seeking a steady beat to their investment rhythm will find New Silver Lending’s offerings hitting just the right notes for long-term financial harmony.


Kiavi offers the following loans:

  • DSCR loans starting at an interest rate of 7.75% and a minimum DSCR of 1.25
  • Loans fine-tuned for the fix-and-flip artist and the long-term property maestro alike
  • 80% loan-to-value ratio for various property types

Whether you prefer the fluidity of interest-only payments or the predictability of adjustable-rate mortgages, Kiavi’s suite of options is like a well-composed symphony for real estate investors.

Griffin Funding

Griffin Funding’s DSCR loans play to the rhythm of investors who value discretion and flexibility. Their interest-only payment options and the ability to purchase properties under an LLC make them a standout in the DSCR lending space. With no need for personal income verification or job history checks, Griffin Funding offers a loan program that moves to the beat of the investor’s own drum, with no unnecessary solos.

Angel Oak

Angel Oak’s investor cash flow loans are the crescendo for those seeking an extended composition. Their 40-year fixed DSCR loan option, complete with interest-only payments and no cap on financed properties, is like a magnum opus for real estate investors. Without the need for personal income or employment verification, Angel Oak’s approach harmonizes perfectly with investors who conduct their financial affairs like a maestro leads an orchestra. In this symphony of investment opportunities, hard money loans play a vital role in the real estate financing landscape.

Truss Financial Group

Truss Financial Group’s ‘no ratio’ loans resonate with investors who march to the beat of a different drum. Catering to those whose rental income may not typically cover debt obligations, Truss requires a minimum of 25% equity and a healthy FICO score.

With financing available up to $30 million, Truss Financial Group can accommodate an expansive range of investment sizes, playing a deep bass note in the real estate investor’s financial score.

Lima One Capital

Lima One Capital’s DSCR loans demand a performance with a high note, requiring a DSCR of 1.5 or more and a FICO score of 700 for short-term rental loans. This sets the stage for a select group of investors who can meet the high bar of financial stability and reliability, ensuring a solo performance that’s both confident and rewarding.

Mortgage Vintage

Mortgage Vintage offers a flexible rhythm to investors focusing on residential investment properties, with a FICO score requirement of 620 or higher. Their DSCR loans and bank statement mortgages provide a smooth and improvisational flow to the investor’s property portfolio, like a jazz ensemble adapting to various investment strategies and needs, including the mortgage loan option.

Tips for a Successful DSCR Loan Application

Securing a DSCR loan is like preparing for a grand opening night – every detail must be meticulously planned and executed. A robust DSCR, meeting the lender’s basic requirements, and presenting a well-prepared set of financial documents are the equivalent of a flawless dress rehearsal.

We’ll now highlight some expert advice to guarantee your DSCR loan application gets the recognition it deserves.

Preparing Financial Documents

The script for a successful DSCR loan application features comprehensive financial documents that tell the compelling story of your property’s income and expenses. Rent rolls, operating statements, and tax returns are the supporting cast, ensuring that the debt service coverage ratio shines as the star of the show.

Organize these documents with precision and professionalism, and you’ll set the stage for an efficient application process and a successful loan approval.

Improving Credit Score

A stellar credit score is the marquee name that can draw attention to your DSCR loan application. Taking center stage in the lender’s decision-making, it influences interest rates and available leverage. To ensure your credit score is ready for the limelight, focus on reducing debt, keeping credit utilization low, and swiftly rectifying any inaccuracies.

Such financial prudence can lead to a show-stopping performance when applying for a DSCR loan.

Evaluating Property Cash Flow

Illustration of property cash flow assessment

In the grand theater of real estate investing, accurately assessing rental income is like perfecting the art of timing. Lenders often take the conservative route, using the lower of the appraiser’s rent schedule or the actual rental income, making it crucial to set realistic expectations.

Interest-only DSCR loans can offer a lower initial monthly payment, allowing for better cash flow management in the early acts of your investment journey. However, be mindful of the long-term implications, as higher overall interest costs and eventual loan repayments could be the twist in your financial narrative.

Common DSCR Loan Pitfalls to Avoid

Navigating the DSCR loan landscape can be fraught with potential pitfalls, each capable of turning a profitable investment into a financial quagmire. From overzealous rental income projections to the oversight of operating expenses and prepayment penalties, these are the traps that can ensnare the unwary investor.

We’ll now shed light on common pitfalls to avoid, ensuring a clear and unhindered path to successful DSCR loan acquisition.

Overestimating Rental Income

The allure of optimistic rental income projections can be a siren’s song, leading investors off course. Overestimation can sabotage not only loan approvals but also the financial stability of your investment. Stick to conservative figures, especially for short-term rentals with fluctuating occupancy rates, to compose a realistic and sustainable financial strategy for your property.

Underestimating Operating Expenses

A common oversight in the DSCR symphony is the underestimation of operating expenses, which can quickly turn a harmonious investment into a discordant mess. To keep the music playing smoothly, include all operating costs in your net operating income calculations, ensuring your property’s cash flow remains robust enough to cover its debt services.

Ignoring Prepayment Penalties

Prepayment penalties are the hidden notes that, if overlooked, can disrupt the tempo of your investment strategy. While they may come with the sweetener of lower interest rates, their long-term financial impact can be significant. Take the time to understand the prepayment structure of your DSCR loan, and consider state-specific regulations that might affect your ability to make early repayments.

interest only loans


As we lower the curtain on our comprehensive guide to DSCR loans, remember that the key to a successful real estate investment is a blend of strategic planning, meticulous preparation, and a clear understanding of the financial instruments at your disposal. With the insights and tips provided, you are now equipped to navigate the DSCR lending landscape with confidence. May your investments flourish and your properties generate the returns worthy of your ambitions.

Frequently Asked Questions

What exactly is a DSCR loan and how is it different from a traditional mortgage?

A DSCR loan is a mortgage that evaluates a property’s cash flow instead of the borrower’s personal income, making it suitable for real estate investors. It differs from a traditional mortgage by allowing more flexible repayment options and typically not requiring personal income verification.

How is the Debt Service Coverage Ratio (DSCR) calculated?

The Debt Service Coverage Ratio (DSCR) is calculated by dividing a property’s annual net operating income by its annual debt service obligations. This helps lenders gauge if the income covers the debt payments, with a typical minimum requirement of 1.20, indicating at least 20% more income than debt obligations.

What are some common pitfalls to avoid when applying for a DSCR loan?

When applying for a DSCR loan, it’s important to avoid overestimating rental income, underestimating operating expenses, and ignoring prepayment penalties to ensure financial stability and effective property management.

Can I qualify for a DSCR loan if I have multiple financed properties?

Yes, you can qualify for a DSCR loan even if you have multiple financed properties, as many DSCR lenders offer loan programs without restrictions on the number of properties financed. This can be advantageous for investors looking to grow their real estate portfolios.

What financial documents do I need to prepare for a DSCR loan application?

To apply for a DSCR loan, you’ll need to prepare a comprehensive set of financial documents, including a credit report, proof of down payment and reserve funds, property appraisal, lease income details, rent rolls, operating statements, and possibly tax returns, to establish your property’s cash flow and ability to cover loan repayments.


When real estate investors ask, “What banks offer DSCR loans?” they are typically looking for flexible financing options that cater specifically to investment properties. DSCR, or Debt Service Coverage Ratio loans, are particularly attractive as they focus on the property’s cash flow potential rather than the personal income of the borrower. This makes them ideal for investors who might not qualify for traditional financing. Additionally, some banks also provide bank statement loans, which allow borrowers to use their bank statements to verify income instead of traditional tax documents. This can be a great solution for self-employed investors or those with irregular income streams, ensuring they have access to necessary funding for their investments.

Serving Real Estate Investors & Business Owners

Business Industries


private money

Get Started

Find The Private Money For Real Estate & Business

Rehab Fix & Flip Loans

Fix and Flip loans are short-term, small-business loans that real estate investors utilize to purchase and renovate investment properties for resale that we like to call After Repair Value (ARV) which is a force appreciation strategy.

Bridge Loans & Term Loans

Bridge Loans are short-term financing investment loans which are used until the investor secures permanent financing and it’s mostly used for immediate cash flow to acquire the real estate assets. Some investors exit strategy is to sell.

Ground-UP Construction Loans

Ground-Up construction loans typically have project costs and need cash reserves.  Development experience is required. We offer programs for a single home or an entire development.

Business Financing

We offer Business Loans with a variety of business financing programs that will get you the funding for your business.  We offer over loans from $5,000 – $100 Million.

DSCR Loan Programs

Debt Service Coverage Ratio (DSCR) loans are increasingly preferred by savvy real estate investors as a strategic financing option. These DSCR loans, distinct from conventional loans and hard money loans, provide a unique solution based on the debt service cover ratio of the investment property rather than the borrower’s personal income. This feature allows for no income or employment verification, making DSCR loans an attractive alternative to hard money loans for those who prioritize investment property cash flows over personal financial history.

The best DSCR lenders understand the nuances of investment property loans, offering loan terms that focus on sustainable loan payments without stringent debt to income ratio requirements. For real estate investors, securing a loan with the best DSCR lenders means getting competitive interest rates and favorable loan terms that enhance their real estate investment portfolio. These lenders often provide additional options like DSCR cash out refinancing, allowing investors to leverage their properties for further investment or debt consolidation.

To get a rate quote with the best DSCR loan companies, investors should be prepared to demonstrate the profitability and debt service coverage of their properties. The top DSCR lenders will evaluate the monthly payments and revenue streams to ensure that the investment property can cover its obligations. This approach helps streamline the approval process, providing a quick and efficient route to securing investment property loans.

Ultimately, the best DSCR loans offer real estate investors the flexibility and financial agility needed to expand their portfolio efficiently. By opting for DSCR loans from reputable DSCR lenders, investors can bypass traditional lending barriers and access capital based on the inherent value and performance of their real estate assets.

Even you can’t qualify for these terms, it might be a good alternative to invest in “Off Market Properties” that you can negotiate seller financing terms.

How To Find Private Money Lender With A Private Money Lender Portal?

Navigating the landscape of private financing requires a deep understanding of where to find a “private money lender near me.” This journey can significantly impact your ability to secure funding for investment endeavors, particularly in real estate. Private money lenders, distinct from conventional banking institutions, offer a pathway to funds that might otherwise be inaccessible. This comprehensive guide aims to illuminate the process of finding a private money lender near you, ensuring that your investment projects, whether they are centered on real estate or other ventures, have the financial backing they need to flourish.

Business Loan Types

best dscr lenders


Equipment Financing Loans

Equipment financing is a type of loan that enables small businesses to purchase the equipment and machinery needed to conduct business and grow their company.

Accounts Receivable Financing

Accounts receivable financing is a type of financing arrangement which is based on a company receiving financing capital in return for a chosen portion of its accounts receivable.

Factoring Financing

Factoring functions similarly to a credit card where the bank or lender (factor) is buying the debt of the customer without recourse to the seller.  It is used to get cash quickly.

Merchant Financing

A merchant cash advance is a type of loan financing for small businesses that need capital immediately to cover cash-flow shortages.

Business Line of Credit

A business line of credit is a revolving form of small business funding that operates similar to a credit card that only charges interest on the amount you use of the line of credit.

SBA Loans

SBA loans are guaranteed by the Small Business Administration (SBA) and range from small to large loans which can be used for most business purposes.

Leadership Team Since 1991

Years in Business


$ Loans

We provide commercial loans for business owners and commercial real estate loans with our private capital.  We also have access to 3,000 plus lenders who compete for your business, which allows us to offer you low competitive rates and save time in raising the capital needed for your venture.  Our clients are offered loans for Commercial Real Estate Loans, Asset Based Loans, Working Capital Loans, Equipment Lease Loans, Factoring, Trade Financing, Hard Money Loans, Merchant Financing, Small Business Administration Loans (SBA), Structured Financing, Unsecured Lines of Credit.

Capital Group is Top DSCR Loan Lender in 2024

DSCR Loan Program 

Frequently Asked Questions

monthly rental income, annual debt service, market value

What exactly is a DSCR loan?

A DSCR loan is a mortgage designed for residential income-producing properties, focusing on the property’s cash flow rather than the borrower’s personal income. It’s tailored to suit this specific type of investment.

How does the DSCR calculation work?

The DSCR calculation involves dividing the property’s annual gross rental income by the total property debt (PITIA), with ratios above 1.2 considered solid and above 1.5 considered strong. This helps lenders assess the property’s ability to cover its debt obligations.

What are some benefits of DSCR loans for real estate investors?

DSCR loans offer easier qualification based on the property’s income, the option to fund properties through an LLC for asset protection, and the availability of jumbo loans for larger investments, making them beneficial for real estate investors.

Can DSCR loans have drawbacks or risks?

Yes, DSCR loans can have drawbacks such as higher interest rates, prepayment penalties, and restrictions on financing certain property types. Be aware of these factors before considering a DSCR loan.

Are there alternatives to DSCR loans for financing real estate investments?

Yes, hard money loans are a popular alternative to DSCR loans for real estate investments, offering short-term financing with less strict qualification criteria.

Capital Group is the premiere lender for Debt Service Coverage Ratio Loans. We have multiple DSCR programs that can work with just about any annual mortgage debt with our interest payments only loans. This keeps the monthly loan payments low with a minimum credit score of 620.


    Understanding the Dynamics of Private Money Lending: A Comprehensive Guide

    In the complex landscape of real estate investing, individuals often seek alternative financing solutions to fund their projects, and private money lending has emerged as a viable option. Private money loans, offered by private money lenders, have become a crucial resource for many real estate investors looking to secure funding outside traditional financial institutions. This article delves deep into the intricate workings of private money lending, exploring its nuances, benefits, and potential pitfalls.

    The Role of Private Money Lenders

    Private money lenders play a pivotal role in the real estate investing business. These entities, often individuals or private lending companies, offer private money loans to borrowers for various purposes, such as purchasing investment properties, funding construction projects, or supporting real estate development ventures.

    Alabama DSCR LoansIdaho DSCR LoansDSCR Loan MississippiOregon DSCR LoansWisconsin DSCR Loans
    Alaska DSCR LoansIllinois DSCR LoansMissouri DSCR LoansDSCR Loan PennsylvaniaWyoming DSCR Loans
    Arizona DSCR LoanDSCR Loan IndianaMontana DSCR LoansDSCR Loan Rhode IslandBest DSCR Lenders
    Arkansas DSCR LoansIowa DSCR LoansNebraska DSCR LoansSouth Carolina DSCR LoansDSCR Loan: What the Pros and Cons of DSCR Loans?
    DSCR Loan CaliforniaKansas DSCR LoansNew Hampshire DSCR LoansSouth Dakota DSCR LoansDSCR Loan Nevada
    DSCR Loan ColoradoKentucky DSCR LoansDSCR Loan New JerseyTennessee DSCR LoansDSCR Cash Out Refinance
    Connecticut DSCR LoansDSCR Loan LouisianaNew Mexico DSCR LoansDSCR Loan TexasDSCR Loan AirBnB
    Delaware DSCR LoansMaine DSCR LoansDSCR Loan New YorkDSCR Loan Utah
    DC DSCR LoansDSCR Loan MarylandDSCR Loan North CarolinaVermont DSCR Loans
    DSCR Loan FloridaDSCR Loan MassachusettsNorth Dakota DSCR LoansVirginia DSCR Loans
    DSCR Loan GeorgiaDSCR Loan MichiganDSCR Loan OhioDSCR Loan Washington State
    DSCR Loan HawaiiDSCR Loan MinnesotaDSCR Loan OklahomaWest Virginia DSCR Loans

    Local Private Money Lender Near Me

    Seeking a Private Money Lender Near Me

    When embarking on the journey to find a “Private Money Lender Near Me,” real estate investors can employ strategic methods to identify local lenders who understand the nuances of the regional market.


    Learn More

    Get Started

    Start your new financial journey with Group Capital 

    Get in touch

    private money lender

    Contact US Today

    +1 (888) 588-2254 

    1420 Celebration Blvd, Suite 200, Celebration, FL 34747.