Real estate investor, 4 SFR rentals · Boca Raton, FL · 18 months
Boca Raton Investor Built a $1.2M DSCR Loan Portfolio in 18 Months
Investor qualified for 4 DSCR loans totaling $1.2M after credit and entity structuring work.
DSCR portfolio debt
$0$1,200,000
Challenge
Investor had personal mortgages capping conventional financing access. Needed entity-level DSCR loans to scale.
Approach
- 01Structured each property in its own LLC.
- 02Built business credit for each entity to qualify for DSCR pricing tiers.
- 03Coached on lender selection for DSCR > 1.1 underwriting.
Outcome
4 DSCR loans closed totaling $1.2M. Cash flow positive across the portfolio.
FAQs
What is a DSCR loan?
A real estate loan underwritten on the property's debt service coverage ratio rather than the borrower's W-2 income.
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