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Keystone Rate
DSCR Loans

DSCR Loans

Debt-service-coverage-ratio loans that qualify on property cash flow instead of personal income — the workhorse of rental-property financing.

3 articles0 products
When Your DSCR Comes in Below 1.0: Actual Options

When Your DSCR Comes in Below 1.0: Actual Options

What a sub-1.0 DSCR means, why files land there, and the levers that move it: leverage, rate structure, rent evidence, sub-1.0 programs, other products.

Prepayment Penalties on DSCR Loans: Step-Downs, Yield Maintenance, and Exit Timing

Prepayment Penalties on DSCR Loans: Step-Downs, Yield Maintenance, and Exit Timing

How DSCR prepayment penalties work: step-down and yield-maintenance structures, the rate trade behind penalty length, and how exit timing sets the real cost.

DSCR Loans: How Debt-Service-Coverage Financing Actually Works

DSCR Loans: How Debt-Service-Coverage Financing Actually Works

How DSCR loans actually work: ratio conventions, how lenders set the rent number, common qualification bands, and the pricing grid behind every quote.