The classic investment property. Finance long-term rental homes using market rent or existing lease income. No tax returns required.
Single-family rentals (SFRs) are the most common investment property type — and for good reason. They're easy to manage, attract stable long-term tenants, and appreciate well in desirable neighborhoods.
With DSCR loans, you can finance SFRs using the property's rental income rather than your personal tax returns. This makes it easier to scale your portfolio, especially if you're self-employed or have complex income that doesn't show well on paper.
New Jersey offers strong SFR markets in suburban communities with good schools, as well as commuter-friendly towns near NYC and Philadelphia transit lines.
Families typically stay 2-3+ years, reducing turnover
SFRs in good neighborhoods appreciate well over time
One tenant, one property — simpler than multi-family
Sell to investors OR owner-occupants for maximum value
For purchases or vacant properties, the appraiser provides a market rent estimate based on comparable rentals. This becomes your qualifying income.
If the property has a tenant in place, we can use the actual lease rent. This is often preferred when the lease rate exceeds market rent estimates.
Buy tenant-ready properties that cash flow from day one. Use existing lease income to qualify. Minimal work, immediate returns.
Buy, Rehab, Rent, Refinance, Repeat. Use hard money for acquisition/rehab, then refinance into a DSCR loan once stabilized. Pull out equity and repeat.
Long-term wealth building. Collect rent, pay down the mortgage, and benefit from appreciation. DSCR makes scaling easier without income limits.
Montclair, Maplewood, Summit, and Morristown attract families priced out of NYC. Strong schools drive premium rents and low vacancy rates.
Edison, Piscataway, East Brunswick, and Princeton area. Good balance of affordability and rental demand. Popular with corporate relocations.
Cherry Hill, Marlton, Mount Laurel, and Voorhees. More affordable entry points with solid rental demand from Philly commuters.
Toms River, Brick, Freehold, and Howell. Year-round rental demand from families and retirees. Lower property taxes than North Jersey.
Use our free calculators to analyze potential deals before you make an offer.
Whether it's your first rental or your tenth, we can help you find the right DSCR program.
Or call 800.778.9044 to speak with Carlos and our DSCR team.
