Creative Loans for Creative Investors

Investors Advantage DSCR Simplifies Investment Property Financing


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What it takes

660 Plus FICO Score

20% Down Minimum

Rent Exceeds Mo. Payment

No Personal Income Required

$100k Loan Amount Plus

Non-Owners Occupied Only



Eligible Properties

1 to 4 Unit Single Family

5-10 Unit Apartments

2-8 Mixed Use Commercial

Short-term Rentals




Key Features

Fixed and Adjustable Options

Interest Only Options

Gift Funds Allowed

First-time Investors Allowed

LLCs Allowed




Available In The Following States

DSCR loans by state

What is a DSCR Loan? Decoding This Unique Financing Option

A DSCR loan is a type of real estate investment mortgage focused on the property’s cash flow and ability to cover the debt rather than the borrower’s personal finances.


Let knowledge empower your investing journey – Gain insider perspectives and actionable guidance to help pave your way to real estate success. 

DSCR Financing Guide

dscr financing guide

DSCR Loan Florida Guide

DSCR Loan Florida

DSCR Loan Pros and Cons

dscr loans pros and cons

Contact Us

12 Juniper Trl, 202

Kitty Hawk, NC 27949


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© 2023 Ratesaver Inc. Ratesaver Inc. is not authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. RateSaver makes commercial, business-purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval. Other restrictions apply. NMLS 2280663. Licensed by the Pennsylvania Department of Banking and Securities, PA License #95342