DSCR Loan Program Options Tailored to Broker and Investor Needs

Both brokers and investors are constantly looking for new and innovative ways to finance their real estate projects. Unfortunately, the traditionally slow pace of underwriting and checking every little document means that in competitive areas, great deals can get snapped up quickly. 

Add to that the cumbersome issues that surround getting approved and getting funding if you run your own business, work on commission or otherwise don’t have traditional W-2 paystubs, and it’s easy to fall into the trap of thinking that “other brokers and investors must have a secret insider network that gets them approved incredibly fast”. 

The DSCR Loan Program from Constructive Capital is that “secret insider network”. 

DSCR (Debt Service Coverage Ratio) loans are part of an innovative program that doesn’t rely on traditional income-based criteria and instead focuses on cash flow generated by the property itself. This type of rent-driven debt coverage changes how real estate professionals approach investor financing, get approved, and make offers. 

When it comes to flexible structures that match a variety of investor needs, DSCR loans are able to step up to and answer the demand. Here are just a few of the many options brokers and investors can look forward to with these unique loan products. 

Property-Driven Underwriting

Constructive Capital’s DSCR Rental Loan exclusively looks at the investment property’s rental income compared to its expenses – what’s called the PITIA (Principal, Interest, Taxes, Insurance, and Association Fees). Underwriters calculate the DSCR by dividing property rental income by PITIA. This sets up your loan eligibility purely based on the performance of the property – not your income or employment history. 

Easy, Income-Free Qualification

Because DSCR loans are tied to property performance and not income, there’s no need for personal income or employment verification. Both investors and the brokers who serve them can take advantage of highly-accessible, flexible DSCR loan terms – a major benefit for investors that own or operate multiple properties. 

Flexible Loan Products and Terms that Match Many Investment Needs

Constructive Capital offers a number of financial solutions including DSCR loans that are fixed-rate or interest-only and designed for 1-4 unit properties. Beyond our DSCR loan products, we also offer revolving lines of credit for fix-and-flip or rehab projects, and Fix and Flip loans for renovation projects. Our lines of credit offer up to 90% of the loan-to-cost with minimal income verification, and our Fix and Flip products are 12-18 month bridge loans with up to 90% LTC and no personal income documentation. 

These products offer brokers an excellent opportunity to match our DSCR rental loans to investor needs, constructing customized funding strategies based on the type of investment. 

Broker-Centric Features that Close More Deals

Because Constructive Capital is a wholesale lender, we give brokers the ability to give their investors greater stability and consistency in financing. We fund 85% of wholesale DSCR applications within 20 days. These features, backed by our 21-day rate locks, are a must given how competitive the real estate environment can be. Plus, with our diversified capital sources, we're able to stay competitive on price even in rising rate markets. 

DSCR loans are a transparent, realistic measure of cash flow coverage. They’re less vulnerable to fluctuations which are unfortunately common when using the borrower’s personal income as the measurement. With no personal income documentation needed, brokers are able to level the playing field, particularly for investors with non-traditional incomes. Add to that the interest rate climate in real estate right now, and having diversified funding sources plus rate locks helps you stay competitive. 

As a broker, you can confidently present low, locked-in rates to your clients while making sure you’re the name to know when it comes to real estate financing. 

Choosing the Right DSCR Program from Constructive Capital

For new and portfolio investors looking to acquire 1-4 rental units, we recommend our DSCR Rental Loan. With flexible terms including fixed-rate or interest only, and high LTVs up to 80%, the underwriting process is both fast and efficient, focusing solely on the property’s income. 

For borrowers flipping or rehabbing homes, our Lines of Credit support ongoing projects with lines up to $2.5 million, 90% LTV and 70% LTC – all without income documentation. This allows investors to deploy capital quickly across multiple deals without slowing down or trudging through massive documentation requirements. 

Short-term bridge financing is handled by our Fix & Flip Loans. These loans can be adjusted to fit project timelines, with a focus on underwriting based on the property, not personal income. This is an excellent option for those brokers who want to guide their clients through development changes or renovation exits. 

Tools to Support Your Success

Last but not least, we extend more than just capital to brokers and their clients. We back our offers with unparalleled support and tools, including a DSCR calculator, dedicated account executives, and educational content and podcasts. We help guide brokers through speeding up deals in their pipeline while providing supportive, precise rental income-to-PITIA analysis. Our experts’ brokerage-centered attitude coupled with our responsiveness and deep product knowledge helps you earn lifelong client satisfaction and repeat business. 

The fact is, real estate investing is changing, and financing needs to keep up. Constructive Capital’s DSCR Loan Program is an elegant solution to the meteoric rise in real estate investment: fast underwriting, property-focused, reliable funding and a variety of capital structures. 

We see brokers as our partners in excellence – helping to deliver faster closings, better  compliance, and expanded product access to investors who demand speed and practicality. For these investors, having access to capital that reflects the performance of the property and not their personal finances, opens a number of doors to exponential growth. With Constructive Capital as your DSCR Loan Program partner, we’re not just offering you a loan feature, we’re giving you access to strategic insights that make smarter, more scalable investing possible.