Simply Approved Mortgages
Simply Approved Mortgages · Escritorio DSCR

Préstamos DSCR y financiamiento para propiedades de inversión

Califique usando el flujo de caja de la propiedad — no ingresos personales ni declaraciones de impuestos. Ocho soluciones de préstamos con fines comerciales: DSCR, Extranjeros, Construcción, Fix & Flip, Bridge, Airbnb/Alquiler a corto plazo, Section 8 y Préstamos para Portafolio. Hasta 80% LTV en programas DSCR elegibles, sin declaraciones de impuestos ni ingresos personales. Con licencia en Florida y Colorado; disponibles como transacciones comerciales en jurisdicciones adicionales donde se permite.
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Key takeaways
  • Los préstamos DSCR califican por la relación renta/PITIA, no por W-2s o declaraciones de impuestos.
  • Cierre a nombre de LLC, LP o S-Corp sin prima de tasa en programas elegibles.
  • Programas desde fijos a 30 años hasta solo intereses con hasta 80% LTV y montos hasta $5M.
  • Con licencia en Florida y Colorado; préstamos comerciales disponibles en nuestra área de servicio donde se permite.
  • Programas DSCR elegibles hasta 80% LTV sin ingresos personales ni declaraciones de impuestos — la calificación se basa en la renta de la propiedad, el crédito y las reservas.
  • Revisión inicial del escenario generalmente el mismo día hábil una vez recibida la solicitud completa, autorización de crédito y documentos de la propiedad/entidad.

Tasas DSCR de hoy, de un vistazo

Una muestra en vivo de precios para inversionistas; cotice su escenario para ver números específicos.

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Por qué los inversionistas eligen Simply Approved Mortgages

Con licencia en
FL · CO
Área de servicio
37 estados + DC
Max LTV (DSCR)
Hasta 80%
Documentos de ingresos
No requeridos
Programas para inversionistas
8
DSCR mín.
0.75
Monto máx.
$5M
Vestimenta
LLC / LP / Corp

Los máximos LTV, DSCR mínimo y montos de préstamo mostrados son máximos de programa en préstamos DSCR elegibles con fines comerciales. Los términos reales dependen del crédito, tipo de propiedad, reservas, avalúo y aprobación de suscripción. No se requieren declaraciones de impuestos ni ingresos personales en programas DSCR elegibles; aún se requieren crédito, reservas y documentación de la propiedad.

Cobertura

Préstamos DSCR en 37 estados más Washington, DC

AlabamaAlaskaArkansasColoradoConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaHawaiiIllinoisIndianaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMississippiMissouriNew JerseyNew HampshireNew MexicoNew YorkOhioOklahomaPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasVirginiaWashingtonWest VirginiaWisconsinWyoming

Nuestros programas para inversionistas

DSCR Rental Property Loans

Debt Service Coverage Ratio loans for 1–8 unit investment properties. No personal income docs — the property's cash flow qualifies you.

Foreign National Loans

Buy US rental property without a Social Security Number, US credit, or US tax returns. Passport, entity, and reserves — that's the package.

Ground-Up Construction Loans

12–24 month construction financing for investment builds, with an efficient DSCR takeout on completion. Draws every 2 weeks.

Fix & Flip Loans

12-month interest-only bridge loans for buy, renovate, and resell. Up to 90% of purchase and 100% of rehab, funded on 2-week draws.

Airbnb / Short-Term Rental Loans

Purchase or refinance Airbnb, Vrbo, and short-term rental properties using verified nightly-rental income (AirDNA / actuals) instead of a lease.

Section 8 DSCR Loans

Buy or refinance Section 8 rental properties using your Housing Assistance Payment contract for guaranteed rent qualification.

Bridge Loans

Short-term bridge financing for real estate investors — acquire, reposition, or season a property, then refinance into long-term DSCR debt on your timeline.

Portfolio Rental Loans

Blanket DSCR loans that consolidate 5+ rental properties into a single mortgage — one payment, one closing, one appraisal package.

Multifamily Loans (5+ Units)

Commercial multifamily loans for 5+ unit apartment buildings held in an LLC — sized off net operating income, market cap rate, and debt service coverage, with 5/7/10-year fixed and 30-year amortization options.

Hard Money & Private Money Loans

Hard money and private money loans for real estate investors — asset-based underwriting, 5–14 day closings, up to 80% of as-is value on acquisitions, rehabs, land, cash-out, partner buyouts, and note payoffs. Business-purpose only.

Hable con un oficial de préstamos para inversionistas

Envíenos su escenario. Respuestas reales y cotizaciones reales.

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Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

  • Secure, PCI-compliant checkout hosted by MeridianLink
  • Required for a formal investor pre-approval decision
  • Soft-touch process — your loan officer will guide you through it
Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

  • See all 3 bureau reports & scores before your lender does
  • Ongoing monitoring alerts you to new accounts or score changes
  • Fix errors early — cleaner credit can widen your investor loan options
Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

Investor newsletter

Inversionista rates, market shifts, and program changes — in your inbox.

Periodic investor updates: rate movement, guideline and program changes, and market data refreshes. No spam, unsubscribe anytime.

  • DSCR rate snapshots
  • Program & guideline updates
  • Illustrative investor scenarios
  • Market data notes
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