Let’s Fund Your Rental Investment!

DSCR

Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.

Hero Circular TextDSCR Loans for Real Estate Investors
UP TO
6.25%
RATES FROM*
80%
LTV
10-14
DAY CLOSE
5 to 30
I/O OPTION
$100k to $7M

Step 1: Submit Your Deal

DSCR

Benefits

Why Choose Our DSCR Loans?

DSCR (Debt Service Coverage Ratio) loans provide a streamlined financing solution based on property cash flow rather than personal income. Perfect for experienced investors, these loans simplify the process of accessing capital for acquisitions, refinancing, or portfolio growth. With competitive rates and flexible terms, DSCR loans are ideal for real estate professionals looking for quick, hassle-free funding to support their investment strategies.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Loan Details

Monthly Expenses

Simple Qualifications for DSCR Lending

Are We a Good Fit?

Our DSCR loans are designed to be flexible and accessible for investors focused on building long-term wealth. To qualify, you’ll need:

DSCR Loans for Real Estate Investors

Experience

First time investor allowed

DSCR Loans for Real Estate Investors

Credit Score

Minimum of 660.

DSCR Loans for Real Estate Investors

Liquidity/Reserves

20% Down, 6 Months Reserves

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Property Type

SFR, Condo, Townhome, 1–8 Units

DSCR Loans for Real Estate Investors

Additional Requirements

Non-Owner-Occupied, Seasoning Requirement, Blanket Loan Option

Get Started

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

DSCR Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.25%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
5, 7, 10, 30 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$100k
Loan Amount Max:
$7M
Product Specifics:
Non-Owner-Occupied, Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

Who We Are

Daniel Samandarov

Mr. Samandarov began his career at a real estate family office, where he spearheaded acquisitions and managed deal flow. By 2016, he founded his own real estate development firm, successfully overseeing the development of more than 100 properties with construction budget management exceeding $100 million. Throughout his career, Mr. Samandarov has facilitated over $500 million in real estate debt and equity transactions, demonstrating a proven ability to structure and execute complex investment strategies.

Who We Are

Zachary Samandarov

Mr. Samandarov co-founded Blue Gate Capital after earning his Bachelor’s degree in Finance from Boston University and a Master’s in Real Estate Finance from New York University. He leads the organization with a strong foundation in financial and real estate analysis, applying his expertise to strategic decision-making and portfolio management. Mr.Samandarov also plays a key role in overseeing the firm’s credit and operations teams, ensuring disciplined execution and sustainable growth.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000
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