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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 income generated by the property, 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)
✅ 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
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🚀 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 easier.
💼 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 17–21 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
📈 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.
