DSCR Loans
Borrow with Betty believes in homeownership opportunities for everyone, including non-U.S. citizens.
Rental Property Financing Based on Cash Flow, Not Paperwork
At Borrow with Betty, we empower real estate investors across Illinois with smart financing options that focus on what matters most—property performance. Our DSCR (Debt Service Coverage Ratio) Loans are designed for rental property investors who want to qualify based on the income their property generates, not their personal income or tax returns. A DSCR Loan is ideal for borrowers who have multiple properties, are self-employed, or prefer to keep their business and personal finances separate.
Instead of requiring detailed income documentation, these loans evaluate whether the property’s rental income can cover the mortgage payment. It’s a streamlined, investor-friendly approach to financing.
This type of loan is perfect for buying or refinancing single-family rentals, multi-units, or even short-term rental properties like Airbnbs. Whether you’re acquiring your first investment property or scaling an existing portfolio, DSCR Loans give you the speed and flexibility to grow.
Borrow with Betty uses a simple formula to qualify: if your rental income covers the mortgage (typically a DSCR of 1.0 or greater), you’re in a strong position to be approved. This straightforward method eliminates unnecessary red tape and keeps the focus on your property’s potential.
DSCR Loans also offer options for refinancing—whether you’re seeking better terms, consolidating debt, or pulling out equity to fund your next purchase. You can reinvest without tapping into personal income or going through complicated underwriting processes.
We work with investors throughout Illinois who want to move fast in competitive markets. With quick closings, flexible credit requirements, and fewer documentation demands, DSCR Loans are a powerful tool for serious real estate entrepreneurs.
Unlike traditional loans, there are no employment verifications, no income statements, and no DTI (debt-to-income) ratios to worry about. If your property generates solid cash flow, you’re on the path to approval. This hands-off approach gives you more freedom to focus on acquisitions and growth.
DSCR Loans can be structured with fixed or adjustable rates, and they’re available for a wide range of loan amounts. We help you find terms that match your investment timeline, risk tolerance, and income strategy—whether you’re planning to hold long-term or sell down the line.
At Borrow with Betty, we know that rental property investing is a business—and we treat it like one. Our DSCR Loans are built to give you the leverage, speed, and financial independence to make smart moves without getting tied up in traditional lending requirements.
