At Malve Capital, we specialize in providing Debt Service Coverage Ratio (DSCR) loans, a tailored financing option designed specifically for real estate investors. Unlike traditional loans that rely heavily on the borrower’s personal income and credit score, DSCR loans center on the income your property generates. 

This unique approach allows us to evaluate the strength of your investment based on its ability to cover debt obligations, making DSCR loans an excellent fit for investors with consistent rental income.

If you’re looking to grow your portfolio or stabilize cash flow, our DSCR loans may be just the right financing solution. Contact Malve Capital today to get started.

What is a Debt Service Coverage Ratio (DSCR) Loan?

A DSCR loan assesses a property’s cash flow to determine if it can comfortably cover the loan payments. We calculate DSCR by dividing your property’s annual net operating income by its total debt service (principal and interest payments).

Suppose your property generates $100,000 in net operating income, and the annual debt payments are $80,000. The DSCR would be 1.25. This indicates the property earns 25% more income than required to cover debt payments.

Our flexible DSCR loans, with ratios as low as 1.0, enable you to secure financing based on your property’s income potential, which is ideal for growing your portfolio, even if you have other financial commitments or a moderate credit score.

Why Choose a DSCR Loan with Malve Capital?

We’ve designed our DSCR loans with flexibility and growth in mind so you can enjoy multiple benefits tailored to your objectives:

  • Income-based qualification–Our DSCR loans focus on your property’s income rather than your income, simplifying qualification for those with complex income structures or multiple properties.
  • Credit-flexible terms–We focus on your property’s cash flow over credit score, offering you a way to access financing even if you have a high debt-to-income ratio or a credit history that doesn’t fit traditional criteria.
  • Scalability–We structure our DSCR loans to allow investors to expand their portfolios more freely. If your property generates sufficient cash flow, you may secure financing even with existing debt obligations.
  • Competitive terms: Our DSCR loans offer attractive loan terms, including longer repayment periods, interest-only options, and competitive rates—all structured to enhance cash flow and support your investment goals.

In sum, DSCR loans provide an accessible, reliable way to finance new acquisitions or refinance existing properties based on their income generation rather than your financial profile.

How to Qualify for a DSCR Loan with Malve Capital

Our qualification process for DSCR loans centers on the income your property produces. Key factors include:

  1. Property’s Net Operating Income: We review the property’s net operating income by subtracting operating expenses from gross rental income. The higher the net income, the stronger the DSCR.
  2. Minimum DSCR Requirement: We typically look for a DSCR of 1.0 or higher, which shows that the property generates the income needed to cover debt obligations. 
  3. Loan-to-Value (LTV) Ratio: Our DSCR loans provide an LTV of 75-80%, depending on whether the deal is a purchase or refinance (with or without cash out).
  4. Property Type–While we work with various property types, certain buildings, such as multifamily or commercial properties, may have specific requirements. Properties in high-demand areas often enhance their appeal.
  5. Borrower’s Experience–We welcome seasoned and newer investors, though experience in managing rental properties strengthens your application by signaling stability.

Why Choose Malve Capital for Your DSCR Loan?

At Malve Capital, we offer innovative lending solutions for real estate investors. Our DSCR loan program is structured with your goals in mind, providing the flexibility and speed you need to capitalize on new opportunities.

When you partner with us, you can expect:

  • Transparent Terms–We value honesty and clarity, so you’ll always understand the terms of your loan.
  • Fast Closings–Our streamlined process gets you funded quickly—often within just a few business days.
  • Personalized Service–Our team is committed to your success. We tailor each loan to meet your unique investment objectives, guiding you every step of the way.

Explore Malve Capital’s DSCR loan options today and achieve your real estate ambitions.

Get a DSCR Loan Today

Ready to take the next step with a DSCR loan? Contact Malve Capital to learn more. Our experienced team is here to answer your questions and guide you through the loan process, helping you secure the funding you need to succeed.