NAF DSCR Loan Program
NAF's Debt Service Coverage Ratio (DSCR) loan program is designed for real estate investors who want to maximize leverage, expand their portfolios, and enjoy flexible qualification. Whether you’re a seasoned investor or just getting started, NAF’s DSCR loans offer the versatility and support you need to grow.
RATES FROM*
6.375%
80%
LTV
FIRST-TIME
INVESTORS WELCOME
30, 40yr
I/O OPTION
DSCR
At NAF, a DSCR loan is simple: we look at the property's income, not yours. If the rent covers the mortgage, you’re in. It’s the ultimate shortcut for investors who want to scale their portfolio without the red tape of traditional financing. With us, you'll get the speed of a private lender backed by the stability of a national powerhouse.
Stop proving your income and start leveraging your assets. Let's get to work.
Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).
DSCR shown constitutes an estimate and is provided for illustrative and educational purposes only. The calculation provided is an estimate based on data entered by the user. The amount displayed is not a guarantee, and the actual DSCR may be different based on other factors. Additional taxes, insurance, and other fees or charges may apply. Results do not reflect all loan programs and are subject to individual program loan limits. This does not constitute an offer for a mortgage and is not a commitment to lend, nor is it an advertisement for the provided DSCR. Contact a Loan Officer for assistance.
Simple Qualifications for DSCR Lending
Traditional lenders love paperwork; we love results. If you’re tired of jumping through hoops and want a loan that actually understands the math of real estate investing, you’re in the right place.
Here’s what it takes to get moving:
First-Time Investors Welcome
Minimum of 620.
30- and 40-Year Fixed-Rate (Interest-Only available) and 5/6 ARM (Interest-Only)
SFR, Condo, Townhome, 2–4 Units
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Transparent and Investor-Focus Loan Terms
| Property Type: | DSCR |
|---|---|
| Minimum Credit Score: | 620 |
| Draw Schedule: | N/A |
| Rate: | Rates Vary |
| Loan-to-Value (LTV): | 80% |
| Loan Terms: | 30- and 40-Year Fixed Rate (Interest-Only available) and 5/6 ARM (Interest-Only) |
| Asset Types: | SFR, Condo, Townhome, 2-4 Units |
| Loan Amount Min: | $75K |
| Loan Amount Max: | $5M |
| Product Sepcifics: | Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option |
| Number of Units | 1 to 4 Units |
A Simpler Way to Close
We’ve stripped away the typical mortgage red tape. Our process is built on clear guidelines and fast approvals, so you can spend less time on paperwork and more time finding your next deal.
Funding at the Speed of Business
Opportunities don’t wait for slow banks. We can close your loan in as little as 10 to 22 days, giving you the speed you need to win in a competitive market.
Built for Your Bottom Line
Our loans are designed specifically for investors, not homeowners. We offer flexible terms, competitive rates, and interest-only options to help you maximize your monthly cash flow.
Expertise You Can Count On
Work with a team that actually understands the investment landscape. Whether you’re buying your first rental or managing a large portfolio, we provide the specialized support you need to grow.
Meet the Leader
When traditional banks say no, we say yes. At NAF, we specialize in DSCR, Bridge, and Hard Money loans designed for the speed of the real estate market.
Whether you're flipping a house, scaling a portfolio, or need short-term capital fast, we provide the creative financing you need to close the deal. We've cut the red tape so you can focus on the ROI.
