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Is anyone using DSCR loans mainly to scale faster?
I've been trying to figure out the best way to grow a rental portfolio without constantly hitting income or DTI limits. DSCR loans seem interesting since they rely more on the property's cash flow instead of personal income, which sounds like it could make scaling a lot easier.
For those who’ve gone this route, does it actually help you acquire properties faster compared to conventional loans? Or do the higher rates/terms kind of cancel out the benefit?
Also wondering how lenders treat things like vacancy assumptions or lower credit scores with these loans.
I came across this guide that breaks down how DSCR loans work, including scaling strategies, BRRRR, and credit considerations:
https://dreamhomemortgage.com/dscr-l...gy-bad-credit/
Would love to hear real experiences—did DSCR loans actually help you grow your portfolio, or did you end up going back to traditional financing?
For those who’ve gone this route, does it actually help you acquire properties faster compared to conventional loans? Or do the higher rates/terms kind of cancel out the benefit?
Also wondering how lenders treat things like vacancy assumptions or lower credit scores with these loans.
I came across this guide that breaks down how DSCR loans work, including scaling strategies, BRRRR, and credit considerations:
https://dreamhomemortgage.com/dscr-l...gy-bad-credit/
Would love to hear real experiences—did DSCR loans actually help you grow your portfolio, or did you end up going back to traditional financing?
