DSCR Mortgages
Precision leverage for expanding your real estate portfolio. A Debt Service Coverage Ratio (DSCR) loan is designed exclusively for real estate investors. Instead of analyzing your personal income or requiring years of tax documentation, lenders evaluate the income-producing potential of the property itself to approve the loan.
Why it might fit your Wize Plan
Cash-Flow Qualification
If the property's monthly rental income covers the mortgage payment (a 1:1 ratio or better), the asset practically qualifies itself.
Protect Your Personal DTI
Keep your personal debt-to-income (DTI) ratio completely untouched. This ensures your investment strategy never interferes with the financing or refinancing of your primary residence.
Unlimited Scalability
Because your personal income isn't the limiting factor, DSCR loans empower you to acquire multiple properties and scale your portfolio as quickly as you find lucrative opportunities.
Simplified Underwriting
Without the need for exhaustive personal tax documentation or employment verification, the approval process is incredibly streamlined, allowing you to close fast and secure your next investment.