DSCR Loans in Washington, DC
Find lenders offering dscr loans in the Washington, including Arlington, Alexandria, Bethesda, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Washington
42 lenders offering dscr loans in the Washington, DC area.
Verus Mortgage Capital
LocalWashington, DC
Leading wholesale non-QM lender with a robust DSCR program for investment properties. Offers bank statement, asset qualifier, and foreign national programs.
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.
Washington Commercial Real Estate Market
Washington, D.C. has one of the most resilient CRE markets in the country, underpinned by federal government tenancy, a massive ecosystem of law firms, trade associations, and government contractors, and a growing tech and life sciences sector. The East End and Capitol Riverfront/Navy Yard submarkets have been the primary focus of new office and mixed-use development, while the K Street/Connecticut Avenue corridor remains the traditional lobbying and law firm office core. The NoMa (North of Massachusetts Avenue) and Union Market districts have transformed from industrial to vibrant mixed-use neighborhoods. Georgetown, Dupont Circle, and Adams Morgan command premium retail rents driven by high foot traffic and affluent demographics.
Key Economic Drivers
- ●Federal government agencies (GSA-leased office space) and defense/intelligence contractor headquarters
- ●K Street law firms, lobbying organizations, and trade association offices
- ●George Washington University, Georgetown University, and associated medical centers
- ●Amazon HQ2 in neighboring Arlington, Virginia, and its spillover economic effects
Market Insight
D.C.'s Height of Buildings Act limits most structures to 130 feet, constraining vertical development and supporting long-term property values in the core, while also pushing development outward to emerging submarkets like the Wharf, Capitol Riverfront, and Buzzard Point.
DSCR Loans in Washington, District of Columbia
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 Washington metro area, borrowers can access 42 lenders offering DSCR financing, including Arlington, Alexandria, Bethesda, 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)
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