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DSCR  Mortgages

Debt Service Coverage Ratio Loans - Investor Cash Flow Program

Welcome to our DSCR Mortgages page, where Bennett Capital Partners is dedicated to helping real estate investors throughout Florida secure the financing they need to achieve their investment goals. As a fully licensed Residential and Commercial mortgage brokerage company based in Miami, we have proudly served the state for over 22 years. Our experienced team understands the unique needs of the Florida market and has an in-depth knowledge of the lending industry.

​ Our DSCR (Debt Service Coverage Ratio) mortgage program offers a specialized solution for real estate investors who need no doc mortgage financing based on the cash flow generated by their investment properties. This program focuses on the property's income potential rather than the borrower's personal income, making it an ideal option for investors with non-traditional income streams or those looking to expand their portfolios. This unique feature of our DSCR program opens up financing opportunities for investors who may have been turned down by traditional lenders.

​By evaluating creditworthiness based on factors such as the property's cash flow, credit score, and loan-to-value (LTV) ratios, we can provide financing options for a diverse range of investors who may not meet the requirements for conventional mortgages. Our DSCR mortgage program is designed to be flexible and adaptable, catering to those who are looking for a no income verification mortgage, as well as addressing the distinct needs of each investor and property type.

​ At Bennett Capital Partners, we pride ourselves on delivering exceptional service and personalized attention to every client. Our team has experience working with investors from all across the state, and we are committed to providing the same exceptional service to all of our clients, no matter where they are located. We understand that obtaining a mortgage for investment properties can be a complex and challenging process, but we're here to make it as smooth and stress-free as possible for our clients throughout Florida. Contact us today to learn more about our private lending and DSCR mortgage program and how we can help you achieve your real estate investment goals in Florida.

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DSCR MORTGAGES
DSCR Program Highlights 

SFRs, 2-4 Units, Condos, Townhomes, Condotels, & Non Warrantable Condos

 Non-Owner Occupied only

✔ No income or job verification

✔ Min 575 FICO

 Loan amounts up to $5M

 30 Year Fixed Program

✔ 10 Year Interest Only Options

Vesting in Personal Name, Corporations, LLC's and Living Trusts

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Discover helpful tips and tricks on mortgages by reading our blog posts:

Discover The Best Rental Loans For Your Investment Properties To learn about the different types of rental loans Bennett Capital Partners offers. Click here to read the full article

Navigating Non QM Loan Requirements: A Guide For Non Warrantable Condo Buyers to learn more about non qm requirements for non warrrantable condos. Click here to read the full article

A Comprehensive Guide To Mortgages For The Self Employed to learn more about the programs for the self employed. Click here to read the full article

10 Year Interest Only Mortgage: For Refinances, Purchases, and Investors to learn how you can benefit from this innovative program. Click here to read the full article

7 Types of Conventional Loan Programs to Choose From to learn more about the 7 types of conventional loans and how they can help you.  Click here to read the full article

How To Get A Mortgage Without Tax Returns, Paystubs, or W2's to learn how you can get a mortgage with no tax returns, paystubs or W2 with alternative income verification programs. Click here to read the full article

Profit and Loss Mortgages: For Self-Employed Borrowers to learn how you can get a mortgage with no tax returns using only a profit and loss statement. Click here to read the full article

Find Out How You Can Own Your Dream Home With The Florida Hometown Heroes Housing Program to learn how this program can help hometown heroes achieve homeownership. Click here to read the full article

Warrantable vs Non-Warrantable Condos: Understanding the Key Differences to learn all about the different condo approval types. Click here to read the full article

Unlocking Opportunities with Commercial Hard Money Lenders Discover how this program can assist investors in utilizing hard money for swift property acquisitions. Click here to read the full article

Fix And Flip Loans For Florida to learn more about how this program can help you renovate and flip your next investment property. Click here to read the full article

Mastering Your Debt-to-Income Ratio: A Key to Mortgage Approval Success to learn more about how debt-to-income ratios work and how to maximize your chances of loan approval. Click here to read the full article

Condo Loans: Everything You Need To Know to learn more about how this program can help you purchase you navigate the condo-buying process. Click here to read the full article

Home Possible® Mortgage Income Limits & Guidelines to learn more about how this program can help you buy your first home. Click here to read the full article

A Deep Dive into Fannie Mae's Condo Project Review Process to learn more about the Fannie Mae Project Review Process. Click here to read the full article

 

Fannie Mae HomePath Program: Your Key to Finding Your Dream Home to learn more about how this program can help you buy a foreclosed property from Fannie Mae. Click here to read the full article

 

How To Get The Best Mortgage Rates In Florida to learn more about how to get the lowest interest rates. Click here to read the full article

 

Can I Get a Bank Statement Cash Out Refinance Loan? to learn more about how to use bank statements as income and refinance cash out. Click here to read the full article


Condo Loans: Everything You Need To Know to learn more about how this program can help you purchase your dream condo in Miami. Click here to read the full article

Key Terms and Concepts

debt service calculator, dscr loan calculator, calculate dscr for rental property, real estate investors, calculate dscr,
monthly rent

What Our Clients Say

Five Stars

Alex S. 

Philip was highly recommended to me and he did not disappoint. He was incredibly helpful and honest throughout the entire process, getting us the best program that matched our needs. We really didn't think we had a chance and luckily Philip …
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