DSCR Loans in Rochester, NY
Find lenders offering dscr loans in the Rochester, including Irondequoit, Greece, Brighton, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Rochester?
42 lenders offering dscr loans in the Rochester, NY area.
Roc Capital
LocalNew York, NY
Originated $15B+ in loans. Bridge and DSCR rental loans for real estate investors. Known for speed and scale.
Quontic Bank
LocalNew York, NY
Community bank offering DSCR loans for investment properties alongside bank statement and asset-based programs. FDIC-insured with competitive non-QM rates.
Flagstar Bank
LocalHicksville, NY
Major bank offering a DSCR program for investment properties through its wholesale channel. One of the largest warehouse lenders in the US with extensive product breadth.
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.
What does the Rochester commercial real estate market look like?
Rochester's CRE market reflects its transition from a legacy optics and imaging economy built by Kodak and Xerox to a diversified base anchored by healthcare, higher education, and advanced manufacturing. The University of Rochester and Rochester Institute of Technology collectively employ over 30,000 people and generate demand for office, R&D, and student housing properties in the university corridors. The downtown core along Main Street and East Avenue has attracted adaptive reuse projects, converting former industrial and office buildings into mixed-use developments, though office vacancy remains elevated in older Class B stock. The High Falls and Neighborhood of the Arts districts have emerged as creative economy nodes, while the suburban corridors in Henrietta and Victor along I-90 capture retail and flex-space demand.
Key Economic Drivers
- ●University of Rochester Medical Center, the region's largest employer, driving sustained medical office and research facility demand
- ●Rochester Institute of Technology's National Technical Institute and imaging science programs feeding a specialized tech workforce
- ●L3Harris Technologies and other optics and photonics companies maintaining Rochester's advanced manufacturing base
- ●Wegmans Food Markets headquarters in Gates supporting retail and distribution operations
Market Insight
Rochester's Finger Lakes Forward economic development initiative has directed state funding toward the photonics and optics cluster, with the American Institute for Manufacturing Integrated Photonics (AIM Photonics) headquartered at the Eastman Business Park, creating specialized industrial and lab space demand.
How do dscr loans work in Rochester, New York?
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 Rochester metro area, borrowers can access 42 lenders offering DSCR financing, including Irondequoit, Greece, Brighton, 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
What are the 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 Rochester FAQ
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