DSCR Investment Property Loans

Rental Property Financing in North Carolina and Select States Nationwide

Looking to purchase or refinance an investment property? A DSCR loan may provide the financing flexibility you need — without traditional personal income verification.

At 7 Locks Lending, we offer DSCR investment property financing in North Carolina and select additional states through our investor lending relationships.

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. Unlike traditional mortgages that focus heavily on a borrower's personal income, DSCR loans evaluate the rental income generated by an investment property relative to its mortgage payment and associated housing expenses.

This makes DSCR financing an attractive option for real estate investors who want to qualify based primarily on the property's income potential.

Benefits of DSCR Financing

  • No Traditional Income Verification: Generally no W-2s, pay stubs, or personal tax returns required to establish qualifying income.

  • Purchase or Refinance: Finance a new investment property or refinance an existing rental.

  • LLC Ownership Options: Financing may be available for properties held in an LLC.

  • Portfolio Growth: Options for both first-time and experienced real estate investors.

  • Rental Income Qualification: Approval focuses primarily on property cash flow rather than traditional debt-to-income ratios.

Program Highlights

  • 75% - 80% Max Loan-To-Value

  • ARMs - 5/6, 7/6 and 10/6 ARMs, all available with 10-year Interest Only Period

  • Interest-Only Options

  • Fixed Rates - including 30 and 40-year with 10-Year Interest Only Period

  • Purchase and Refinances

DSCR Financing Beyond North Carolina

In addition to North Carolina, 7 Locks Lending has access to business-purpose DSCR loan programs in the following states and jurisdictions:

Alabama • Arkansas • Colorado • Connecticut • District of Columbia • Hawaii • Indiana • Iowa • Kentucky • Maine • Maryland • Massachusetts • Mississippi • Missouri • Montana • New Hampshire • New Mexico • Ohio • Oklahoma • Rhode Island • South Carolina • Tennessee • Texas • Washington • West Virginia • Wisconsin • Wyoming

Outside North Carolina, our offerings are limited to eligible business-purpose DSCR investment property financing.

Finding Opportunities in Today's Real Estate Market

While some buyers are waiting for market conditions to improve, real estate investors may find opportunities worth exploring.

Whether you're purchasing your first rental property, expanding your portfolio, or refinancing an existing investment, understanding your financing options can help you make informed decisions.

The right investment starts with the right numbers — and the right financing strategy.

Let's Discuss Your Investment Property Financing Options

With over 25 years of mortgage industry experience, 7 Locks Lending offers personalized guidance and access to multiple lending solutions.

Contact 7 Locks Lending today to explore your DSCR financing options.

7 Locks Lending LLC | NMLS #1929338

All financing is subject to program guidelines, credit approval, property eligibility, applicable state requirements, and lender underwriting. DSCR programs are intended for eligible business-purpose investment properties, not owner-occupied residences.