DSCR Loans

Qualify for Your Next Rental Based on Property Cash Flow, Not Personal Income.

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a long-term financing solution for buy-and-hold rental property investors.

Unlike conventional mortgages that focus on your personal income and tax returns, a DSCR loan qualification is based on the property’s own income. We simply compare the rents collected to the cost of the loan (including principal, interest, taxes, and insurance). If the property’s income can “cover” its own debt, you’re on the path to approval.

The Property Qualifies, Not the Person.

This is the most powerful tool for real estate investors. Stop digging up W-2s, pay stubs, and tax returns for every new rental you buy.

With a DSCR loan, your personal income is off the table. This is ideal for self-employed investors, those with complex financials, or anyone who wants to scale their rental portfolio based on the strength of their deals, not their W-2.

Why Investors Use DSCR Loans

No Personal Income Verification

We don't need your tax returns or pay stubs. Qualification is based on the property's rental income, making it perfect for investors with non-traditional-income.

Built for Scaling Portfolios

DSCR loans are designed for "buy and hold" investors. This streamlined process allows you to acquire more cash-flowing rental properties faster, without the typical bank bureaucracy.

Common-Sense Underwriting

This loan program is built on a simple question: Does the deal make sense? If the property generates enough rent to pay its own mortgage, we see that as a good investment.

CARE FOR YOUR NEXT DEAL

Stop explaining your business to a banker. We are asset-based lenders, not box-checkers

Our entire process is built for one person: the real estate investor. We analyze the asset, understand the exit strategy, and give you a straight answer – fast. Partner with a lender who speaks your language.

Testimonials

What Our Clients Say

Real stories from investors who closed fast, scaled their portfolio, and kept control of their deals.

I used the Fix & Flip loan to buy a distressed property that traditional banks wouldn’t even look at. HMG funded both the purchase and the rehab budget in days, not weeks. I was able to get in, renovate, and sell the property with a solid profit. Zero games, zero surprise fees. Just execution.

The Fix & Flip Line of Credit changed how I run my business. Before, I had to apply for every single address separately. Now I have one approved credit line I can pull from deal by deal. My crew never sits idle, I can pick up my next project immediately, and I’ve doubled my volume this quarter.

The DSCR loan let me close on a rental duplex under my LLC without getting grilled about my personal tax returns. They cared about the cash flow of the property, not just my W-2. I refinanced into long-term rental financing, pulled cash out, and I’m already moving on the next buy-and-hold.

I needed a bridge loan fast to lock up a small commercial building before another buyer. A traditional lender told me they’d “need 30+ days to review.” HMG structured a short-term bridge loan basically immediately so I could close and control the asset. Without that, I would’ve lost the deal.

Getting funding for new construction is usually a nightmare if you’re not a big developer. HMG actually sat down with me, looked at my build budget and exit plan, and financed my ground-up spec home on a vacant lot. They treated me like a builder, not like I was wasting their time.

Talk to an Investor, Not a Banker.

We understand your business, and we’re built to move at your speed. Contact us directly to discuss your next project with a lending partner who gets it.

Office Address

2405 Quantum Blvd
Boynton Beach FL 33426

Phone Number

561-549-9092