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USA Loan Funding

Hello! My name is Josh, and I have been involved in the real estate business since 2000. I have been a top performer in the industry at JP Morgan Chase, HomeBanc, PHH Mortgage, UWH Mortgage and Keller Williams on the Water. I attribute my success to my passion for helping others find the right products and solutions to fit their financial and real estate goals. Education is key and my service provides options based on each individual scenario. What sets me apart from the competition is that I deliver World Class Service. I answer my phone, quote rates and products accurately, and close on time. I work for you in a fiduciary role. This means that I will search multiple lenders to find the best deal for you and your family. USA Loans has access to multiple DSCR Platforms that can fit any real estate need.

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What is a DSCR Loan

DSCR stands for Debt Service Coverage Ratio. It’s a type of loan where the lender assesses the borrower’s ability to repay the loan based on the property’s net operating income (NOI) rather than the borrower’s personal income. Unlike traditional loans that heavily rely on the borrower’s personal income or W-2s, DSCR loans are based on the income generated by the property being purchased or refinanced. A DSCR loan is ideal for real estate investors who want to qualify for a mortgage based on property performance, not personal income.

Minimum DSCR Requirement

  • Most lenders require a DSCR of 1.0 or higher,
  • but a 1.2+ DSCR is more favorable and may offer better terms.

Loan Qualification Based on Property

  • *No need to show personal or business tax returns, pay stubs, or employment verification and sometimes not even bank statements.
  • Credit score, down payment, and DSCR are the main qualifiers.

Potential for Lower Personal Risk

  • No Personal Guarantee: DSCR loans do not require a personal guarantee,
  • meaning the loan is secured by the property itself.

Flexible Financing Option

  • Traditional mortgages and commercial loans often come with more rigid requirements
  • such as income verification, high credit score standards, and specific debt-to-income ratios. DSCR loans,

DSCR Loans

We Bringing Only Professionalism.

Pros

  • Great for first time or seasoned investors with multiple properties or inconsistent income.
  • Fast closing process.
  • No personal business income docs required.
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We Will Find Your Ideal Home

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$ 1.599.499

Classic Suburb House

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Is a DSCR Loan Right for You?

It’s an excellent option if you:
  • Want to scale your real estate investments quickly
  • Have inconsistent or non-W2 income
  • Are buying properties that already produce cash flow

Loan Qualification Based on Property

  • *No need to show personal or business tax returns, pay stubs, or employment verification and sometimes not even bank statements.
  • Credit score, down payment, and DSCR are the main qualifiers.

Potential for Lower Personal Risk

  • No Personal Guarantee: DSCR loans do not require a personal guarantee,
  • meaning the loan is secured by the property itself.

Flexible Financing Option

  • Traditional mortgages and commercial loans often come with more rigid requirements
  • such as income verification, high credit score standards, and specific debt-to-income ratios. DSCR loans,

✅ Pros

  • Great for first time or seasoned investors with multiple properties or inconsistent income.
  • Fast closing process.
  • No personal business income docs required.

⚠️ Cons

  • Slightly higher interest rates than traditional loans.
  • Prepayment penalties.
  • Cash flow requirements and 20% Down

Benefits to DSCR Loans in a Housing Recession?

Lower Purchase Prices

  • Home values typically decline or flatten during recessions.
  • This creates a buyer’s market with better deals and more room to negotiate.

Motivated Sellers

  • Distressed or motivated sellers may be willing to offer price cuts or concessions.
  • Can help improve the initial DSCR by reducing monthly debt burden.

Less Competition

  • Fewer investors are active in a downturn.
  • You can secure properties in better locations or with more upside potential.

Higher Potential Future Returns

  • Buying at the bottom of the market can lead to long-term equity growth once recovery begins.

    • Acquire Multiple Properties
  • Purchasing power to buy unlimited properties since existing properties have no cap on ownership. 

How DSCR Loans Empower Real Estate Investors

Is a DSCR Loan Right for You?

  • Want to scale your real estate investments quickly
  • Have inconsistent or non-W2 income
  • Are buying properties that already produce cash flow

Advantages to DSCR Loans

  • Advantage: Ideal for self-employed individuals or investors with complex tax situations.
  • Why it matters: Traditional loans require detailed personal income documentation. DSCR loans skip this in favor of property performance.

Focus on Property Cash Flow

  • Lenders look at the DSCR ratio (Net Operating Income ÷ Debt Payments) to assess viability.
  • A DSCR of 0 or higher typically means the property can cover its debt obligations.

Faster Approvals and Closings

  • Less paperwork and income verification means a more streamlined process.
  • Can be advantageous in competitive markets where quick closings make offers more attractive.

Scalability for Investors

  • You can grow your portfolio without personal income limits becoming a bottleneck.
  • Many DSCR lenders don’t cap the number of financed properties.

Flexible Underwriting

  • Often based on property value, location, rental income, and DSCR threshold, rather than credit score or debt-to-income (DTI) ratio.
  • Credit score still matters, but it’s not the sole factor.

Useful for High-Cash-Flow Markets

  • Great for short-term rentals (Airbnb/VRBO) or long-term rentals in high-demand areas where income outpaces mortgage costs.

Preserves Personal Debt Capacity

  • Since these loans are underwritten based on property performance, they don’t count against your personal DTI as heavily, preserving your ability to borrow personally.

Is a DSCR Loan Right for You?

It’s an excellent option if you:

  • Want to scale your real estate investments quickly
  • Have inconsistent or non-W2 income
  • Are buying properties that already produce cash flow

Advantages to DSCR Loans

1. No Personal Income Verification

  • Advantage: Ideal for self-employed individuals or investors with complex tax situations.
  • Why it matters: Traditional loans require detailed personal income documentation. DSCR loans skip this in favor of property performance.

✅ 2. Focus on Property Cash Flow

  • Lenders look at the DSCR ratio (Net Operating Income ÷ Debt Payments) to assess viability.
  • A DSCR of 0 or higher typically means the property can cover its debt obligations.

✅ 3. Faster Approvals and Closings

  • Less paperwork and income verification means a more streamlined process.
  • Can be advantageous in competitive markets where quick closings make offers more attractive.

✅ 4. Scalability for Investors

  • You can grow your portfolio without personal income limits becoming a bottleneck.
  • Many DSCR lenders don’t cap the number of financed properties.

✅ 5. Flexible Underwriting

  • Often based on property value, location, rental income, and DSCR threshold, rather than credit score or debt-to-income (DTI) ratio.
  • Credit score still matters, but it’s not the sole factor.

✅ 6. Useful for High-Cash-Flow Markets

  • Great for short-term rentals (Airbnb/VRBO) or long-term rentals in high-demand areas where income outpaces mortgage costs.

✅ 7. Preserves Personal Debt Capacity

  • Since these loans are underwritten based on property performance, they don’t count against your personal DTI as heavily, preserving your ability to borrow personally.

Benefits to using a DSCR Loan in a Housing Recession?

1. Lower Purchase Prices

  • Home values typically decline or flatten during recessions.
  • This creates a buyer’s market with better deals and more room to negotiate.

2. Motivated Sellers

  • Distressed or motivated sellers may be willing to offer price cuts or concessions.
  • Can help improve the initial DSCR by reducing monthly debt burden.

3. Less Competition

  • Fewer investors are active in a downturn.
  • You can secure properties in better locations or with more upside potential.

4. Higher Potential Future Returns

  • Buying at the bottom of the market can lead to long-term equity growth once recovery begins.

5. Acquire Multiple Properties

Purchasing power to buy unlimited properties since existing properties have no cap on ownership. 

Testimonials

We are brokers and real estate investors, and have known Josh for over 20 years. Josh has been a top performer his entire career. We love talking to Josh as he is an out of the box thinker and very creative when it comes to structuring deals. He is a team player that puts his clients first. When we have a real estate or financial question the first person we call is Josh.
Dave and Susie FrazerBroker - Investors
Dave and Susie Frazer
Josh has helped us over the years with our personal real estate needs. He spent a lot of time going over our options based on our financial situation. We had a lot of questions and Josh always got back to us promptly with the answers. Josh would be an asset to anyone who works with him.
Jim and Mary WesenbergClient
Jim and Mary Wesenberg
I have known Josh for 10 years. We have done several real estate transactions together over that time. I refer my clients to Josh because he is professional, knowledgeable, and takes the time to explain options to my clients. I would highly recommend Josh for any of your mortgage needs.
Tom WentzelReal Estate Agent
Tom Wentzel
Josh helped me purchase my first home. We looked at several properties and Josh found the perfect one. It was within my budget and had everything I was looking for. The closing was seamless and Josh was great at explaining all the details. I would highly recommend my brother for any of your real estate transactions.
Nathan SardinasBrother
Nathan Sardinas

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