DSCR - Investor Cash Flow
DSCR – Investor Cash Flow
Best for: Real Estate Investors
| Best For | Real Estate Investors |
| Max Loan Amount | $5,000,000 |
| Min Loan Amount | $200,000 |
| Min FICO | 680 |
| Max LTV | 80% |
| Max DTI | Min 1.00 DSCR (no DTI) |
| Short-Term Rental | Y |
| Interest Only | Y |
| Fixed Rate | Y |
| Adjustable Rate | Y |
| Subordinate Financing | N |
| Occupancy | Investment |
| Property Types (1 ADU permitted for SFR) | SFR / PUD 2–4 Unit Warrantable Condo Non-Warrantable Condo Condotel |
| Transaction Types | Purchase Rate-Term Refi Cash-Out Refi |
DSCR Loans For Real Estate Investors
Adelaide Mortgage Solutions' DSCR - Investor Cash Flow program is built for real estate investors who let their properties do the talking. Instead of reviewing personal tax returns or employment history, qualification is based entirely on the subject property's income-generating performance — making it one of the most efficient paths to financing rental portfolios at scale.
Whether you're acquiring your first investment property or your fiftieth, the AMS DSCR - Investor Cash Flow program removes the friction of traditional income documentation. If the property cash flows, it qualifies.
How DSCR Qualification Works
DSCR measures the relationship between a property's gross rental income and its total housing expense (PITIA). A DSCR of 1.00 means the property breaks even — rents cover the full mortgage payment. AMS requires a minimum DSCR of 1.00; DSCRs between 0.80 and 0.99 will be considered on an exception basis.
AMS considers the appraisal market rent analysis, executed lease, or both for income calculation. No vacancy factor is applied to the rents.
Who This Program Is For
The DSCR program is ideal for:
• Active real estate investors building or expanding rental portfolios
• Self-employed borrowers whose tax returns understate actual cash flow
• Portfolio landlords refinancing existing investment properties
• Borrowers who prefer to keep business and personal finances separate
• Short-term rental (STR) operators — Airbnb, VRBO, and similar platforms are permitted
Key Program Highlights
No personal income verification required — qualification is property-based. Short-term rentals are permitted, providing flexibility for higher-yield strategies. Interest-only options are available for investors managing cash flow during the hold period. Loans are available up to $5,000,000, accommodating high-value acquisitions and refinances.
A 5% LTV reduction is required for Short-Term Rentals
Additional guidelines and overlays may apply. Contact your AMS Account Executive for complete program details.