Our Program
DSCR Loans For Investment Properties
Ambition Lending’s DSCR (Debt Service Coverage Ratio) loan program is designed for investors who want to scale rental portfolios without the hurdles of traditional income verification. If the property cash flows, you qualify — it’s that simple.
Scale Faster
Build a portfolio without income verification roadblocks
Flexible Terms
30-year fixed or adjustable options
Nationwide Reach
Available for most property types in most U.S. states
Program Details
Loan Size:
$100,000 – $5,000,000
LTV (Loan-to-Value):
Up to 80% LTV (Loan-to-Value)
Term:
30-year fixed or ARMs available
Interest Rates:
Competitive rates, points from Starting at 8.5% (deal-dependent)
Qualifying
No personal income or employment required — based on DSCR (typically ≥1.0x)
Property Types
1–4 unit rentals, condos, townhomes, multifamily up to X units
Lending Areas:
Nationwide, in metropolitan and coastal areas, no rural
Prepayment:
Flexible options (choose with/without penalty)
why
Why this Loan
Traditional mortgages limit investors with strict income, employment, and debt-to-income (DTI) requirements. Our DSCR program removes that friction by qualifying properties on their own cash flow. Whether you’re refinancing a single-family rental or acquiring a 20-unit building, we structure long-term financing that supports your growth.
FAQs
FAQ
A loan that qualifies rental properties based on cash flow (rents ÷ expenses), not personal income.
Most properties qualify at 1.0x or higher. Some cases allow lower with pricing adjustments.
Yes, but we focus on property cash flow first.
1–4 unit rentals, condos, townhomes, and small multifamily.
No personal income documentation required.
Yes, in most states.
Let’s Talk!
Ready to Grow Your Rental Portfolio?
Submit your property details today and get a DSCR term sheet within 24 hours.
