Your financial well-being is our top priority, which is why we offer competitive interest rates and flexible terms tailored to your needs.
Turning Point Lending’s Debt Service Coverage Ratio (DSCR) Loans empower your commercial real estate ventures by focusing on the property’s income potential, ensuring a secure and sustainable investment.
Our commitment to your financial well-being is unwavering, reflected in our competitive interest rates and flexible terms
Experience the remarkable potential of Turning Point Lending's Debt Service Coverage Ratio (DSCR) Loans for your commercial real estate endeavors. DSCR loans are designed with your long-term success in mind, considering the property's cash flow potential to ensure your investment remains sustainable and profitable.
Rental DSCR Program Highlights
Loans from $150,000 to $3,500,000
Up to 80% LTV on purchase & 75% LTV on cash out
30-year fixed rates
Interest-only options
Single Family, Portfolio and Short-Term Rental options available
Flexible pre-payment penalty options available
No personal income requirements
UP TO
90%
Loan to Cost (LTC)
Now it’s time to take your cash back with one of our DSCR Loan options.
You’ve reached the final step of your BRRRR journey: you bought the property, rehabbed it, rented it out, and now you’re ready to refinance—setting yourself up to repeat the process again.
At Turning Point Lending, our reliable DSCR rental loans offer the winning formula for success. Competitive rates and maximum leverage are essential when choosing a DSCR lender, and we deliver on both fronts to help you grow your portfolio efficiently.
Historically, seasoning has been a challenge in DSCR lending, but we’ve changed that. Our expedited process accommodates a 90-day seasoning period, so you can access funds faster and keep your momentum going.
From the start, we’ve believed in doing things differently. As a balance sheet lender, we keep skin in the game to earn your trust and give you peace of mind. At Turning Point Lending, we’re more than just a lender—we’re your partner in building a thriving, sustainable real estate business.
Testimonials
DSCR Loans FAQ
Like the name of the loan product suggests, these loans are a Bridge to either a sale for profit or permanent financing. Like all of our products, from application to closing, your experience will be simple, efficient, and smooth.
DSCR is an acronym for Debt Service Coverage Ratio. And your DSCR ratio is derived by taking your monthly PITI (principle, interest, tax, & insurance) or PITIA and dividing it into your monthly rent. So, if your monthly PITI totals $1,250 and your monthly rent is $1,400, you would have a DSCR ratio of 1.12.
To qualify for a DSCR Loan, you need to have at least a 1.0 DSCR ratio. There is no maximum DSCR ratio. In fact, the higher your DSCR ratio, the better your loan pricing.
1-4 family and multifamily properties qualify. Property types that do not qualify are commercial properties, mixed use, and obviously, vacant land.
Yes. Single family homes need to have a tenant with a lease. 2-4 family properties can have only one vacant unit; all other units need to be tenant occupied.
DSCR is calculated by dividing the property’s net operating income (NOI) by the annual debt service (ADS). The NOI is the property’s income minus its operating expenses, and the ADS is the total amount of money that the borrower must pay each year to cover the loan payments.
A good DSCR ratio is typically between 1.25 and 1.50. However, the minimum acceptable DSCR ratio can vary depending on the lender and the property type.
DSCR loans can be a good option for borrowers who do not have a high income or who are looking for a loan that is not based on their credit score. They can also be a good option for borrowers who are looking for a loan for an investment property.
Maximize Your Commercial Real Estate Potential with Turning Point Lending’s DSCR Loans
Unlock the full potential of your commercial real estate investments with Turning Point Lending’s Debt Service Coverage Ratio (DSCR) Loans. Designed for long-term success, our DSCR loans consider your property’s cash flow potential, ensuring sustainability and profitability for your investments.
Competitive Rates and Flexible Terms
At Turning Point Lending, we are committed to your financial well-being, offering competitive interest rates and flexible terms. Whether you are purchasing, refinancing, or expanding your commercial property portfolio, our DSCR loans provide the financial stability you need to succeed in the competitive real estate market.
Nationwide Availability with Key Metropolitan Focus
Our DSCR Loans are available nationwide, serving property owners and investors in Pennsylvania, New Jersey, Delaware, and surrounding areas. Additionally, we cater to major metropolitan areas such as Houston, Texas; Philadelphia, Pennsylvania; Sarasota, Florida; Seattle, Washington; Tampa, Florida; Charlotte, North Carolina; and Clearwater, Florida. No matter where your commercial real estate ambitions lead you, Turning Point Lending is here to support your financial needs.
Your Partner in Commercial Real Estate Excellence
Turning Point Lending is dedicated to helping you unlock growth opportunities and maximize your return on investment with our DSCR loans. Elevate your commercial real estate ambitions with financing solutions meticulously tailored for your success. Your journey to commercial real estate excellence begins here, and we are with you every step of the way, no matter where you are in the country.
Experience the remarkable potential of Turning Point Lending’s DSCR Loans and take your commercial real estate ventures to new heights. Contact us today to learn more about how we can support your investment goals and ensure your long-term success.
