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The DSCR, or Debt-Service Coverage Ratio, loan program available through Davis Legacy offers property investors an innovative and strategic financing solution. This type of loan is tailored to enable borrowers to leverage their investment by examining the cash flow generated by the property rather than focusing primarily on personal income. It’s a vital tool for many investors, especially those who may have complex tax returns that do not reflect their true financial capacity.


Features of the DSCR Loan Program

The DSCR loan program at Davis Legacy offers several features beneficial to real estate investors:
  • No Personal Income Verification: Instead of traditional income verification methods, such as tax returns or W-2s, this program focuses on the property’s cash flow.
  • Loan Flexibility: The DSCR loan provides a range of loan types, including fixed-rate options, adjustable-rate mortgages (ARMs), and interest-only loans.
  • Loan-to-Value Ratios: High LTV ratios are often available, allowing for smaller down payments and less out-of-pocket expenses for the borrower.
  • Investment Versatility: This type of loan is suitable for various types of investment properties, including single-family rentals, multi-family units, condos, and commercial properties.

Advantages of a DSCR Loan

At Davis Legacy Ventures, with no personal income review, the qualification process is streamlined and can be faster than traditional loans.

Investors can qualify based solely on the property’s income potential, which can lead to more investment opportunities.

Investors can better manage their portfolios and cash flow strategies by focusing on property cash flow.

Borrowers might benefit from tax deductions related to mortgage interest and property depreciation (consult a tax advisor for individual circumstances).

Ideal Candidates for a DSCR Loan

The DSCR Loan is ideally suited for:
  • Real estate investors with multiple properties who may not show sufficient personal income due to tax write-offs.
  • Foreign investors without established US credit or income history.
  • Investors looking to purchase or refinance quickly without the need to verify employment or income.

How Davis Legacy Can Help

At Davis Legacy, we understand the unique challenges real estate investors face. Our team is equipped to provide expert guidance throughout the financing process. We offer competitive rates and terms tailored to meet the needs of property investors of all levels, from novice to experienced.

In real estate investing, leveraging the right financing strategy is crucial. The DSCR loan program offered by Davis Legacy presents a flexible and investor-friendly financing option that acknowledges the entrepreneurial spirit of property investors. With a focus on property income rather than personal earnings, the DSCR loan widens the path to investment success and portfolio growth.

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This is not required to quote your loan but will speed things up if you want to close quickly! Upload if applicable: - Original Purchase Contract (or settlement statement if refinance) - All amendments to original contract (including assignment agreements) - Supporting Docs you may have (Valuations, Credit Reports, Rehab Budgets, Construction Plans, etc.) Thank You!


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