DSCR Loans
DSCR loans allow real estate investors to qualify for financing without proof of income — learn how you can leverage DSCR loans to expand your real estate portfolio.
A 1-percentage-point mortgage rate rise can outrun 4 years of rent growth
The Federal Reserve raised interest rates on Sept. 16 for the first time since 2023. For rental property investors, the bigger issue is how long borrowing costs stay elevated while rents grow slowly. A Griffin Funding scenario analysis shows how small changes in mortgage pricing can outpace years of rent growth. On a $300,000 loan,...
When investors borrow against a rental, they tend to borrow big
Most people who take out a home equity line of credit (HELOC) are borrowing against the house they live in, an...
Understanding DSCR loans: How cash-flow underwriting works for rental properties
The property investment market is going through a period of uncertainty, with Q1 of 2026 being the quietest pe...
DSCR Portfolio Loan: Financing Rental Properties With Rental Income
A DSCR portfolio loan lets investors buy or refinance rentals based mainly on the properties’ cash flow. Ins...
DSCR Loan vs. Hard Money Loan: Which Is Right for Investors?
Choosing the right financing option for an investment property can be the difference between a profitable purchase and a costly one.. DSCR loans and hard money loans are two types of loans that real estate investors often compare before purchasing a property. Both are designed for investment properties, but they serve different purposes and are...
DSCR Loan Closing Costs: What Investors Pay at Closing
DSCR loans qualify investment properties primarily on rental income rather than tax returns, W-2s, pay stubs, ...
Debt Yield vs. DSCR: What’s the Difference for Investors?
Lenders look at more than the purchase price and the borrower’s credit score when evaluating an investme...
DSCR Loan Down Payment Requirements
Most DSCR loans require 20% to 25% down, depending on the lender, property, and loan program. Some programs al...
DSCR Loan Requirements: What You Need to Qualify
DSCR loan requirements typically consider the property’s rental income, DSCR ratio, borrower credit score, down payment and loan-to-value (LTV), reserves, property eligibility, and appraisal-supported rent. The property’s income plays the central role, but the entire loan scenario must meet underwriting standards. A DSCR loan is an investment property mortgage that uses rental income to qualify...
Why vacation rental investors are spending more time on market research before buying
For investors already holding properties or considering new purchases, miscalculating revenue in this environm...
America’s Self-Employment Boom is Creating a New Class of Real Estate Investors
Self-employed investors are reshaping the real estate market, fueling record-high rental property investment t...
Loan Level Price Adjustments (LLPAs): What They Are & How They Impact Rates
A loan-level price adjustment is a fee charged on conventional mortgages to account for specific risk factors ...
DSCR Mortgage Document Checklist (2026): Exactly What You Need
What Is a DSCR Mortgage Loan? A debt service coverage ratio (DSCR) loan evaluates whether a property’s r...
DSCR Refinance Calculator
DSCR Refinance Calculator What Is a DSCR Loan? A DSCR loan, or debt service coverage ratio loan, is a non-QM (...
DSCR Loan Examples & Use Cases
Who Are DSCR Loans for? Debt service coverage ratio (DSCR) loans are designed for both new and experienced rea...
How to Build a Real Estate Portfolio
Whether you’re a seasoned investor seeking expansion or a beginner eager to tap into real estate, this g...
DSCR Loan Pros and Cons: What Real Estate Investors Should Know in 2026
If you’re a real estate investor, you know how difficult it can be to secure a loan for your next project. T...
DSCR Loans for Airbnb & Short-Term Rentals: A Complete Guide
DSCR loans let investors finance eligible short-term rentals based mainly on the property’s current o...
San Diego Real Estate Investing
Real estate investing can be a profitable and reliable way to build wealth over time, and San Diego is no exce...
DSCR Loan vs. Conventional Loan: Which Is Right for Your Next Rental?
In a DSCR loan vs. conventional loan comparison, conventional financing is not always cheaper for investment p...
Do You Need Pay Stubs to Buy a House? How To Prove Your Income
Lenders ask for a variety of documentation to ensure you qualify for a home loan, including job history, tax r...
What Is a Good Debt Service Coverage Ratio?
What is a DSCR Ratio? The debt service coverage ratio (DSCR) shows whether a property generates enough income ...
DSCR Loan Calculator
DSCR Loan Calculator This calculator provides an educational estimate, not a rate quote, loan offer, or commit...
DSCR Loans in New York
A debt service coverage ratio (DSCR) loan is a type of commercial loan that is typically used for investment p...
DSCR Formula and Calculation
“No tax returns needed! No income verification! Use your rental income to finance your investment proper...
Build a Cash Flow Positive Real Estate Portfolio with One Simple Loan
Griffin Funding offers Investment Property Loans, or DSCR loans. A DSCR loan is a type of non-QM loan for new ...
Latest Posts on the Blog
Mortgage rates hit 18% in 1981. Here’s how that compares with buying a home today
Borrowers shopping for a 30-year fixed mortgage in the fall of 1981 saw rates peak at 18.63% in the week of Oc...
Average home equity gains topped $200,000 in six states as renters faced heavy housing costs
A rising home value can mean two very different things on the same street. For an established homeowner, it ca...
A 1-percentage-point mortgage rate rise can outrun 4 years of rent growth
The Federal Reserve raised interest rates on Sept. 16 for the first time since 2023. For rental property inves...