Understanding A
Debt Service Coverage Ratio (DSCR) Home Loan
A Home Loan Designed For Real Estate Investing!
If you are interested in financing one or more investment properties, a Debt Service Coverage Ratio Loan, also known as an investor cash flow loan, may be the right loan for you. With a DSCR loan, AmeriHome uses the property’s rental income and total monthly mortgage payment to underwrite the loan. No other proof of income is required. DSCR Loans are frequently used by real estate investors to finance residential investment properties.
AmeriHome will personalize the journey to ensure you are meeting your home financing needs.
DSCR Loan Benefits:
- Loans up to $3 million
- 30-year fixed full and interest-only amortizations
- 5/6 and 7/6 SOFR Adjustable Rate
- Up to $500,000 Cash-Out option
- Faster application and closing process
- No employment information or tax forms required
- Allows you to have loans on multiple investment properties
- Ideal for real estate investors
To get your personal consultation, contact one of our Home Loan Experts at 855.368.3291.
Ready To
Refinance Or Buy A Home?
Refinancing Options
Refinance your current loan to lower your interest rate, pay off your loan sooner or take cash out to pay for other expenses like home improvements.*
Buying A Home
Are you In the market to purchase a new home? Contact one of our Home Loan Experts to get pre-qualified in minutes and pre-approved on the next business day so you can shop with confidence.
See What Other Customers Are Saying…
Their communication & timely responses really helped me out
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Working with AmeriHome Mortgage, specifically Kris & Marie, to go through my home refi was amazing overall. Their communication & timely responses really helped me out when I had any questions & they ensured to get me the very best numbers this crazy market can offer. I highly recommend this company & you should request Kris as your loan officer & Marie as your loan processor!
~ Tyler T.
They handled everything so professionally
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Kenneth Ornelas and Philip Simon made the process of refinancing our home very easy. They answered our emails so quickly and were always available to answer any questions. This was such an easy and smooth process. They handled everything so professionally, from start to finish. If we could rate them 10 stars, we would. That’s how happy we were with this entire process! We would highly recommend them.
~ Leslie P.
The process was painless on our end
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Ryan King and Amy Yang were extremely helpful during our refinance process. Ryan was able to come up with quick solutions and helped us save a lot of money! The process was painless on our end, and Ryan and Amy were so flexible with both of our busy schedules. We are so grateful for this experience and will be using them in the future.
~ Meghan B.
All reviews are sourced from TrustPilot.
Start Benefiting From
AmeriWallet
Through the AmeriWallet program, you’ll receive a $750 lender credit for all of your future home loans for any property you own, whether it’s a refinance or a new home purchase loan.** See details.
Get Started Now.
Contact your Home Loan Expert to learn more.
Your Future Is Now,
With A Personal Touch
Be sure to give us a call to speak with one of our Home Loan Experts about your customized home finance evaluation and getting the better home loan.
Lets Get Started!
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*By refinancing, your total finance charge could be higher over the life of the loan.
**As a member of the AmeriHome family, borrowers are part of the AmeriWallet Rewards program. If you completed a home loan with us once, you will qualify for a $750 lender credit for all of your future refinances or home purchases done with AmeriHome, for any property you own. To qualify for this offer, you must have previously financed the purchase of a home or refinanced with AmeriHome. You have financed with AmeriHome when AmeriHome Mortgage Company, LLC appears on the previous Promissory Note for your loan, and you are listed as a borrower on the Note. Credits will be applied only if your loan closes with AmeriHome. This offer can not be combined with any other offers and is not applicable for FHA Streamline, or VA IRRRL Refinance transactions. Other restrictions may apply. Terms and conditions are subject to change. AmeriWallet Rewards program is subject to termination without notice.
©2026 AmeriHome Mortgage Company, LLC, A Western Alliance Bank Company. Branch Office located at 17885 Von Karman Avenue, Suite 100, Irvine, CA 92614. NMLS #135776; AZ d/b/a AmeriHome Funding, LLC #0917700; California Licensed by the Department of Financial Protection and Innovation, under the California Residential Mortgage Lending Act #4131116; Licensed by the N.J. Department of Banking and Insurance; Rhode Island Licensed Lender. For licensing information, go to: www.nmlsconsumeraccess.org. Not all applicants will qualify. Not available in all areas. Other terms, conditions, and restrictions apply. No goods or services are intended to be offered to users in the EU. Equal Housing Lender.