Unlock Financing with DSCR Lending

Debt Service Coverage Ratio (DSCR) lending offers a powerful solution for real estate investors looking to finance income-producing properties without the constraints of traditional mortgages. Unlike conventional loans that focus on your personal income or tax returns, DSCR loans prioritize the property’s cash flow. Lenders calculate the DSCR by dividing the property’s net operating income (NOI)—essentially its rental income minus operating expenses—by the annual debt payments, including principal, interest, taxes, and insurance. A ratio above 1.0 means the property generates enough income to cover its debt, with most lenders targeting a minimum of 1.25 for approval. This approach lets you qualify based on the investment’s performance, not your W-2 or credit score alone.

How It Works with Us

Partnering with us for your DSCR loan means a straightforward process built around your goals. You provide key details—like rental income, property expenses, and your desired loan amount—and we handle the rest, matching you with lenders who fit your needs. We’ll analyze the property’s DSCR to ensure it meets funding standards, then guide you through a streamlined approval that skips the personal income deep dive. Whether you’re a seasoned investor or just starting, our expertise turns complex financing into a clear path forward, getting your property funded and generating returns fast. Ready to grow your investments? Let’s talk about your next deal.

ABOUT DSCR

OUR MISSION

At Petty Property Funding, our mission is to empower real estate investors with flexible, cash-flow driven financing through DSCR lending. We simplify the loan process by focusing on your property’s potential—not your personal income—connecting you with tailored solutions that fuel portfolio growth. With expertise and a commitment to speed, we turn your investment vision into reality, one seamless deal at a time.