Property cash flow leads
Expected or existing rent is measured against the property's debt obligation. Personal income is not the center of the story.
Finance an investment property around the income it produces, not a conventional borrower box. Purchase or refinance - bring us the scenario, we can handle almost all of them.
A DSCR loan is designed to look primarily at the rental property's ability to cover its debt. That can make the path cleaner for investors whose income is complex, reinvested or spread across several properties.
Expected or existing rent is measured against the property's debt obligation. Personal income is not the center of the story.
Purchase a rental, refinance a stabilized asset or access equity for the next deal, subject to review.
No call-center loop and no queue. Your request goes to Joseph, an actual decision maker, who usually responds within minutes. The speed may be the first surprise.
We would rather give you a clear read than collect a form from everyone.
Rent that can support the proposed debt. We review the property's cash flow and the full request together.
Meaningful equity. Many DSCR purchases start around 20%-25% down, though the final requirement depends on the deal.
A financeable rental property. Single-family rentals and 2-4 unit properties are common. Multifamily, mixed-use and other property types need a closer look.
A workable credit profile. Credit affects eligibility, leverage and pricing. There is no universal cutoff on this page; submit the real range for an honest review.
Results vary by property and request. These are real Eagle Cap client comments.
No teaser rates. No pretend instant approval. Just the facts that decide whether the request is worth a closer look.
Debt service coverage ratio compares a property's qualifying rental income with its debt obligation. A stronger ratio generally means the property has more room to support the loan. The exact calculation and required ratio vary by program and property.
DSCR financing is designed to qualify primarily from property cash flow rather than conventional W-2 or personal-income underwriting. Identification, credit, property and other loan documentation are still part of a full review.
Many purchases start around 20%-25% down. Credit, DSCR, property type, loan size and other factors can change the required equity. Tell us the actual amount available so we can assess the real deal.
There is no single promise that fits every request. Stronger credit usually opens more options and better leverage. Lower ranges may limit the available structure. Use the form's honest range and Eagle Cap will tell you whether there is a path.
Single-family rentals and 2-4 unit properties are common DSCR uses. Multifamily, mixed-use, short-term rental and other business-purpose properties may require a closer review. Owner-occupied homes are not what this page is for.
Purchase, rate-and-term refinance and cash-out requests can all be reviewed. Available proceeds depend on value, equity, seasoning, cash flow and the rest of the file.
No. This first look is not an approval, commitment to lend or guarantee of rates or terms. It gives Eagle Cap enough context to respond with a useful next step.
This takes about three minutes. Joseph reviews it personally and usually follows up within minutes. Do not be shocked if your phone rings before you have closed the tab.