DSCR Loans in Anchorage, AK
Find lenders offering dscr loans in the Anchorage, including Eagle River, Wasilla, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Anchorage
42 lenders offering dscr loans in the Anchorage, AK area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Anchorage Commercial Real Estate Market
Anchorage is Alaska's primary commercial real estate hub, accounting for roughly 40% of the state's total population and the vast majority of its Class A office inventory. The Midtown district along C Street and the downtown core near the Dena'ina Civic and Convention Center concentrate most institutional-grade office and retail activity. Industrial demand is driven by the Ted Stevens Anchorage International Airport, which ranks among the top five cargo airports globally due to its strategic position on polar air routes between Asia and North America. Retail and mixed-use development has expanded along the Muldoon Road corridor and in the South Anchorage neighborhoods near the Seward Highway.
Key Economic Drivers
- ●Ted Stevens Anchorage International Airport cargo and logistics operations
- ●Joint Base Elmendorf-Richardson military spending and contractor activity
- ●Providence Alaska Medical Center and Alaska Regional Hospital healthcare systems
- ●Oil and gas company regional headquarters including ConocoPhillips Alaska
Market Insight
Alaska has no state income tax or state sales tax, which reduces operating costs for commercial tenants, though Anchorage levies a municipal property tax that investors must underwrite carefully given limited comparable sales data.
DSCR Loans in Anchorage, Alaska
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Anchorage metro area, borrowers can access 42 lenders offering DSCR financing, including Eagle River, Wasilla, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Other Alaska Cities
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