SM Capital, Inc. offers a Debt Service Coverage Ratio (DSCR) program designed specifically for real estate investors who want to qualify based on rental property income instead of personal income. This exceptional program caters to borrowers financing residential and small mixed-use investment properties, including both long-term and short-term (vacation) rentals, without the traditional documentation required for a residential home mortgage. There’s no limit on the number of properties financed under this program, enabling you to secure financing for multiple properties with ease.

Our DSCR Blanket Program allows borrowers to finance 3-25 properties by consolidating loans into a single, customized loan solution. Under this program borrowers can purchase multiple properties, refinance or restructure multiple loans into a single mortgage, as well as pull cash out. Thus allowing for a convenient and cost effective plan, avoiding the need to close multiple transactions, while significantly reducing total closing cost and underwriting fees paid.