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DSCR loan—short for Debt Service Coverage Ratio loan—is a type of real estate investment loan that qualifies borrowers based on the property's income, rather than their personal income.
🔍 How It Works:
Instead of looking at your W-2s, tax returns, or pay stubs, lenders calculate the DSCR using this formula:
DSCR=Monthly Rental IncomeMonthly Debt Payments (PITIA)DSCR=Monthly Debt Payments (PITIA)Monthly Rental Income
- PITIA = Principal + Interest + Taxes + Insurance + HOA (if applicable)
Apply for a DSCR or Investment loan - CLICK HERE
✅ Example:
If your rental property earns $2,000/month and your mortgage payment is $2,500/month, your DSCR is:
20002500=0.8025002000=0.80. With Guild Mortgage, you can qualify with a DSCR as low as 0.80, which is more flexible than many other lenders.
DSCR is easy - Need to locate the right home
Why Work With Us
Personalized service tailored to your unique needs.
Experienced professionals dedicated to your success.
Proven results that speak for themselves.
Smart Financing for Investors
Smart Financing for Your Home
Aggressive Loan Solutions for Real Estate Investors:
Whether you're expanding your portfolio or optimizing your cash flow, Guild Mortgage offers high-performance loan products designed to help investors in Georgia and Florida move fast and qualify more easily.
Purchase. Refinance. Tap Equity.
We don’t just offer loans—we offer strategic financing tools to help you build wealth through real estate.
🔹 DSCR Loans
- Qualify based on property income, not personal income
- Credit scores down to 620
- DSCR ratios as low as 0.80
- Perfect for short-term rentals, multi-family, and Airbnb properties
🔹 Interest-Only 40-Year Loans
- Lower monthly payments
- Maximize ROI and cash flow
- Easier qualification with extended amortization
🔹 Investor HELOCs
- Access equity from investment properties
- Use funds for renovations, new purchases, or debt consolidation
- Flexible draw periods and competitive rates
⚡ Why Choose Guild Mortgage & Peter Knap?
- ✅ Fast Closings – Many loans close in 10–21 days
- ✅ Investor-Friendly Underwriting – No income docs, no DTI calculations
- ✅ LLC & Business Entity Support – Close in your company name
- ✅ Local Expertise – Based in Marietta, GA, serving all of Georgia & Florida, and Alabama, South Carolina
📈 Real Estate Is a Business. Finance It Like One.
Our aggressive loan options are built for entrepreneurs, investors, and visionaries who want to scale smarter and faster. Whether you're buying your first rental or refinancing a 10-property portfolio, we’re here to help you leverage every dollar.
Peter Knap, Sales Manager, NMLS ID #214269
