Buy Your Next Investment Property with a DSCR Loan
Qualify on the rental income the property generates — not just your personal income.
DSCR loans are built for investors who want to move on the right property without the hurdles of traditional financing. Talk with a local New Jersey team that knows investor lending.
Get My Free Consultation
No obligation. Speak with a real local loan expert.
Prefer to talk now? Call 732-299-3861
Local NJ Team
Based in Holmdel, serving investors statewide.
Personal Guidance
Work directly with a real loan expert.
No-Obligation Consultation
Explore your options with zero pressure.
Part of New American Funding
Backed by a national mortgage lender.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio — a way to qualify a loan based on the income a property generates, rather than only your personal income.
With a traditional mortgage, lenders look mainly at your W-2s, pay stubs, and tax returns. A DSCR loan is different: it looks at whether the rental income from the property can comfortably cover the new mortgage payment.
That makes DSCR loans built for real estate investors — especially investors who are self-employed, own multiple properties, or whose personal income doesn't tell the whole story of their portfolio.
Subject to program guidelines. Not a commitment to lend.
Why investors choose DSCR
DSCR loans remove the barriers that keep investors from growing their portfolios with traditional financing.
Qualify using property income
Approval is driven by the rental income the property produces, not only your personal income.
Built for investors
Designed for landlords and portfolio builders, not owner-occupants — so the process fits how you invest.
Flexible structures
Options for purchase, refinance, and cash-out, with terms tailored to investment goals.
Streamlined process
Less personal documentation to gather, so you can move on the right property faster.
Use an LLC or entity
Finance properties held in an LLC or other investing entity, subject to program guidelines.
Local expert guidance
Work with a Holmdel-based team that knows the New Jersey and Staten Island markets.
What you can finance
DSCR loans support the most common ways investors grow and manage rental portfolios.
Purchase
Buy a new investment property with financing built for investors.
Refinance
Refinance an existing investment loan to better terms.
Cash-Out Refinance
Tap your equity to fund your next investment.
Common rental property types
- Single-family rentals
- Duplexes & triplexes
- Small multifamily
- Townhomes
- Condos (subject to guidelines)
- Long-term rental properties
Eligibility subject to program guidelines.
DSCR vs. a traditional mortgage
A simple, plain-language comparison — no numbers, just the approach.
| Feature | DSCR Loan | Traditional Mortgage |
|---|---|---|
| Qualification basis | Property rental income | Personal income (W-2s, tax returns) |
| Best fit for | Investors & landlords | Owner-occupant homebuyers |
| Income documentation | Property rent schedule / lease | Full personal income docs |
| Entity ownership | Often allows LLC / entity | Typically individual ownership |
| Portfolio focus | Built to scale a portfolio | Built for a primary home |
How it works
Three straightforward steps from first conversation to clear options.
Submit the form
Share a few details about your property and goals. It takes just a couple of minutes.
Talk with our team
Bobby Walsh and the Triad team review your situation and answer your questions — no pressure.
Review your options
We walk you through financing options tailored to your investment, subject to program guidelines.
Serving New Jersey & Staten Island
Triad Lending Group is based in Holmdel, New Jersey, and we work with real estate investors across the state and into Staten Island. We know these markets — the property types, the neighborhoods, and what investors need to close.
When you call, you reach a local team led by Bobby Walsh, a mortgage consultant who understands investor financing firsthand.
Frequently asked questions
Straight answers to what investors ask us most.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies a borrower based mainly on the rental income a property generates relative to its mortgage payment, rather than only personal income. It's designed for real estate investors.
Can I use an LLC?
In many cases DSCR loans allow you to finance a property held in an LLC or other investing entity. Eligibility depends on the specific program guidelines.
Which properties qualify?
Common qualifying properties include single-family rentals, duplexes, triplexes, small multifamily buildings, townhomes, and condos used as long-term rentals — subject to program guidelines.
How fast can I get an answer?
Timelines vary by file and program, but the DSCR process is generally streamlined because it relies less on personal income documentation. We'll set clear expectations after your consultation.
Do I need a traditional W-2 to qualify?
No. Because DSCR loans focus on the property's rental income, self-employed investors and those with complex income situations can often qualify.
Can I refinance or take cash out?
Yes. DSCR financing can be used for purchases, refinances, and cash-out refinances on investment properties, subject to program guidelines.
What areas do you serve?
We serve real estate investors across New Jersey and Staten Island from our Holmdel, NJ office.
Is there any obligation?
No. Your initial consultation is free and carries no obligation. We'll help you understand your options before you decide anything.
Ready to talk through your options?
Submit the form and our team will reach out — or call us right now. There's no obligation, just a straightforward conversation about your investment goals.
Get My Free Consultation
No obligation. Speak with a real local loan expert.
Prefer to talk now? Call 732-299-3861