DSCR Loans

🏦 How DSCR Loans Are Unlocking Cash-Flowing Deals—Like This One in Indianapolis

If you’ve been thinking about investing in real estate, there’s a good chance one question is holding you back:

“Will I even qualify for a loan?”

Maybe you’re self-employed. Maybe you already have a few properties. Maybe your DTI (debt-to-income) ratio is tapped out.

Whatever the reason—traditional financing can be a hurdle.

But here's the good news…

✅ DSCR Loans Are Changing the Game

DSCR stands for Debt Service Coverage Ratio, and this unique loan type is specifically designed for real estate investors.

The big idea?
Banks don’t underwrite you—they underwrite the property.

Instead of W-2s, tax returns, or your personal DTI… DSCR lenders look at whether the rent from the property can cover the mortgage.

If the numbers work, you work.

💰 Real Example: Indianapolis Mid-Term Rental

Here’s a real property we’re analyzing for clients right now—a perfect match for a DSCR loan:

🏠 Property Snapshot:

• Purchase Price: $325,000

• Size: 1,805 sq ft | 3 Bed / 2 Bath

• Built: 2005

• Projected Rent (MTR): $4,136/month

• Est. Monthly Cash Flow: $1,119

• Average Equity Growth: $1,942/month

• Projected 10-Year Profit: $233,000+

• ROI (10-Year): 15.77%

📍 Located in a high-demand Indianapolis suburb, this Mid-Term Rental is fully furnished and optimized for insurance-backed tenants, corporate housing, or medical relocations.

💡 Why DSCR Loans Work So Well for This Strategy

DSCR loans thrive in situations like this one.

You’ve got a furnished property with strong rent.
A low-maintenance tenant staying 30–90 days.
And a rental market where demand far outweighs supply.

Here’s what makes DSCR loans powerful:

This isn’t just about getting one deal done.
It’s about creating a system that lets you scale.

Because DSCR loans aren’t capped the same way conventional loans are, our clients are using them to:

• Buy their 3rd, 5th, or even 10th property

• Refinance out of higher-rate private loans

• Unlock properties that would’ve otherwise been out of reach

Pair that with Mid-Term Rentals, and you get a real estate double—higher cash flow, less turnover, and scalable financing.

🎯 Your Next Step

Want to see how a DSCR loan could work in your situation?

Book a free consultation with our team. We’ll show you:

• Whether you qualify

• How the numbers pencil out

• What kind of cash flow is possible

And if this Indy deal is still available, we’ll show you the full property analysis too.