DSCR Loans.

Acquire Real Estate Faster to Build Wealth with as Little as 10% Down – DSCR Loans, No Docs Needed.

At Munoz Ghezlan, we specialize in structuring debt financing for real estate investors, helping scale portfolios with ease. Our  multi-tranche DSCR loan is designed to help you achieve financial freedom faster, allowing you to invest with as little as 10% down while keeping your capital free for other opportunities.

Schedule a Meeting

DSCR Loans.

Acquire Real Estate Faster to Build Wealth with as Little as 10% Down – DSCR Loans, No Docs Needed.

At Munoz Ghezlan, we specialize in structuring debt financing for real estate investors, helping scale portfolios with ease. Our  multi-tranche DSCR loan is designed to help you achieve financial freedom faster, allowing you to invest with as little as 10% down while keeping your capital free for other opportunities.

Syndicated DSCR

With competitive interest rates, low documentation requirements, and 3–4 week closing timelines, our loans ensure a hand-holding process from start to finish. Backed by a team of experienced advisors, we offer a done-for-you capital structure, so you can focus on finding the deals and letting us secure you the lowest down payment possible to help you scale.

Imagine acquiring a $450K property with just $45K down, generating monthly passive income, and building your portfolio.  For a limited time, enjoy waived application fees on all loans. Act now to take advantage of today’s rates and scale confidently with Munoz Ghezlan by your side.

Speak to Consultant Now!

Syndicated DSCR

With competitive interest rates, low documentation requirements, and 3–4 week closing timelines, our loans ensure a hand-holding process from start to finish. Backed by a team of experienced advisors, we offer a done-for-you capital structure, so you can focus on finding the deals and letting us secure you the lowest down payment possible to help you scale.

Imagine acquiring a $450K property with just $45K down, generating monthly passive income, and building your portfolio.  For a limited time, enjoy waived application fees on all loans. Act now to take advantage of today’s rates and scale confidently with Munoz Ghezlan by your side.

Speak to Consultant Now!

Our Capital Solutions

Syndicated

DSCR Loan

Up to 85% LTV with only 10-20% down, structured for multi tranched long-term asset growth. Allowing you to use less money down and still have a high cash-on-cash return. 30 year term. 7-8% interest. No docs needed.

15% Portfolio Acquisition Loan

Unlock financing for lower-priced properties by bundling multiple units into a single DSCR loan. Since the minimum loan amount for DSCR is $68K, investors looking to finance properties below this threshold can combine 2-3 properties into one loan, allowing them to qualify for a 15% down DSCR Portfolio loan instead of needing all cash or missing out on cheaper turnkey deals. Ideal for Section 8 investments and high-cash-flow rental markets.

(Karim’s recommended strategy for  15% down DSCR loans and scaling fast!)

Syndicated DSCR Loan

In real estate investing, a double closing involves three parties: the original seller (Party A), our in-house wholesaler (Party B), and the end buyer (Party C). Party B contracts a property from Party A at a lower price and assigns this contract to Party C at a higher price, earning an assignment fee. This fee is then utilized to cover Party C's down payment, effectively reducing their initial cash outlay.

Example:

A= Seller B= Wholesaler C=Buyer (you)

• Contract Price (A to B): $100,000

• Assignment Price (B to C): $120,000

• Assignment Fee: $20,000

•Down Payment (20% of $120,000): $24,000

In this scenario, Party C's effective out-of-pocket expense becomes $4,000 ($24,000 down payment minus $20,000 assignment fee credited back), enabling property acquisition with minimal upfront investment.

Need Help Covering your Down Payment?

Acquire Working Capital Loan

Click here to explore a Working Capital Loan!

Our Capital Solutions

Syndicated

DSCR Loan

Up to 85% LTV with only 10-20% down, structured for multi tranched long-term asset growth. Allowing you to use less money down and still have a high cash-on-cash return. 30 year term. 7-8% interest. No docs needed.

15% Portfolio Acquisition Loan

Unlock financing for lower-priced properties by bundling multiple units into a single DSCR loan. Since the minimum loan amount for DSCR is $68K, investors looking to finance properties below this threshold can combine 2-3 properties into one loan, allowing them to qualify for a 15% down DSCR Portfolio loan instead of needing all cash or missing out on cheaper turnkey deals. Ideal for Section 8 investments and high-cash-flow rental markets.

(Karim’s recommended strategy for  15% down DSCR loans and scaling fast!)

Syndicated DSCR Loan

In real estate investing, a double closing involves three parties: the original seller (Party A), our in-house wholesaler (Party B), and the end buyer (Party C). Party B contracts a property from Party A at a lower price and assigns this contract to Party C at a higher price, earning an assignment fee. This fee is then utilized to cover Party C's down payment, effectively reducing their initial cash outlay.

Example:

A= Seller B= Wholesaler C=Buyer (you)

• Contract Price (A to B): $100,000

• Assignment Price (B to C): $120,000

• Assignment Fee: $20,000

•Down Payment (20% of $120,000): $24,000

In this scenario, Party C's effective out-of-pocket expense becomes $4,000 ($24,000 down payment minus $20,000 assignment fee credited back), enabling property acquisition with minimal upfront investment.

Need Help Covering your Down Payment?

Acquire Working Capital Loan

Click here to explore a Working Capital Loan!

Side-by-Side Comparison

Features

Syndicated DSCR Loan

(Munoz Ghezlan)

Conventional & Traditional DSCR Loan

(Banks & Other Lenders)

Down Payment Required

10-15% Down

20-25% Down

Loan-to-Value (LTV)

Up to 90% LTV

Full Income Docs Required

Income Verification

No W-2s, No Tax Returns Required

75-80% LTV

Closing Time

10-15% Down

5-7 Weeks+

DSCR Ratio Requirement

3-4 Weeks

1.25+ DSCR Required

Max Number of Properties Financed

As low as 1.0 DSCR

Capped at 10 Properties

Interest Rates

Unlimited

8-9%+

Seller Financing Integration

Competitive Rates (7-8%)

❌ No Seller Financing Allowed

Cash Flow Optimization

Yes, Can Combine with Seller Financing

Basic Loan Terms

Investor-Friendly Structuring

✅ Custom Financing Options Available

❌ Rigid Loan Structures

Key Benefits of DSCR Loans

✅ No W-2s or Tax Returns Needed – Qualify based on rental income.

✅ Up to 80% LTV – Get financing with as little as 10-15% down.

✅ Short-Term & Long-Term Rental Financing – Perfect for BRRRR,

Airbnb, and long-term buy-and-hold strategies.

✅ No DTI Requirements – Focused only on property cash flow.

✅ Fast Closing – 3-4 Weeks – Get funding without the long bank delays.

Speak to Consultant Now!

Key Benefits of DSCR Loans

✅ No W-2s or Tax Returns Needed – Qualify based on rental income.

✅ Up to 80% LTV – Get financing with as little as 10-15% down.

✅ Short-Term & Long-Term Rental Financing – Perfect for BRRRR,

Airbnb, and long-term buy-and-hold strategies.

✅ No DTI Requirements – Focused only on property cash flow.

✅ Fast Closing – 3-4 Weeks – Get funding without the long bank delays.

Speak to Consultant Now!

Loan Program Details

Loan Amounts: $50,000 - $5,000,000

Down Payment: 10-20% (Based on Loan Amount, Experience Level & Capital Structure)

Minimum Credit Score: 640+

Max LTV: Up to 85%

Loan Terms: 30-Year Fixed, Interest-Only, or Adjustable Options 

Eligible Properties: Single-Family, Multi-Family, Short-Term Rentals (Airbnb), Mixed-Use

Schedule a Meeting

Loan Program Details

Loan Amounts: $50,000 - $5,000,000

Down Payment: 10-20% (Based on Loan Amount, Experience Level & Capital Structure)

Minimum Credit Score: 640+

Max LTV: Up to 85%

Loan Terms: 30-Year Fixed, Interest-Only, or Adjustable Options 

Eligible Properties: Single-Family, Multi-Family, Short-Term Rentals (Airbnb), Mixed-Use

How It Works

Book a Free Call with a Senior DSCR Advisor

Speak with an expert who will assess your investment goals and funding needs.

Get Prequalified & Receive  Loan Terms

If you're a good fit, we’ll provide prequalification and custom loan terms within 24 hours.

Find Your Deal & Structure  the Financing

Once you have a property under contract, our Senior DSCR Advisor will guide you through the best loan structuring strategy to maximize leverage and cash flow.

We Handle the File & Close in  3-4 Weeks

Our team takes care of the underwriting and closing process so you can fund your deal quickly and start generating cash flow.

Speak to Consultant Now!

How It Works

Book a Free Call with a Senior DSCR Advisor

Speak with an expert who will assess your investment goals and funding needs.

Get Prequalified & Receive  Loan Terms

If you're a good fit, we’ll provide prequalification and custom loan terms within 24 hours.

Find Your Deal & Structure  the Financing

Once you have a property under contract, our Senior DSCR Advisor will guide you through the best loan structuring strategy to maximize leverage and cash flow.

We Handle the File & Close in  3-4 Weeks

Our team takes care of the underwriting and closing process so you can fund your deal quickly and start generating cash flow.

Speak to Consultant Now!

Frequently Asked Question’s

Loan Qualification & Requirements

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a real estate investment loan that qualifies borrowers based on a property’s rental income, rather than their personal income or debt-to-income ratio.

How do I qualify for a DSCR loan?

You qualify based on the property’s cash flow, not your personal income. We look at:

- Rental income covering the mortgage (DSCR ratio of 1.0 or higher).
- 10-15% down payment depending on loan size and borrower experience.

What’s the minimum property size for a DSCR loan?

We finance properties from single-family units up to 32+ unit multifamily properties.

What’s the minimum property size for a DSCR loan?

No, we do NOT require tax returns, W-2s, or personal income verification. Approval is based solely on rental income potential.

Eligible Properties & Investment Strategies

What types of properties qualify for a DSCR loan?

Eligible properties include:

Single-family rentals (SFRs)
Multi-family properties (up to 32+ units)
Short-term rentals (Airbnb, VRBO, STRs)
Mixed-use properties

Can I use a DSCR loan for Airbnb or short-term rentals?

Yes! We fund short-term rental properties as long as the expected rental income meets DSCR requirements.

Can I finance multiple properties at once?

Yes! You can finance multiple properties in one loan with our Portfolio Acquisition Loan, ideal for bundling deals together to qualify for better financing.

Loan Terms & Funding Process

What are the loan amounts offered?

We offer DSCR loans ranging from $50,000 to $5,000,000.

How much down payment do I need?

0-15% down depending on loan size and borrower experience.

How long does it take to close a DSCR loan?

3-4 weeks on average, depending on how fast documents are submitted.

What interest rates can I expect?

Interest rates vary based on market conditions, loan term, and property type. Book a call with a Senior Real Estate Capital Advisor to get exact terms.

Can I use a DSCR loan to refinance a property?

Yes! DSCR loans can be used for:

Purchasing new rental properties
Refinancing existing investments
Cash-out refinancing to pull equity from your properties

Application & Approval Process

How do I apply for a DSCR loan?

Step 1: Book a free consultation with a Senior Real Estate Capital Advisor.

Step 2: Get prequalified and receive loan terms.

Step 3: Find your deal & structure your financing.

Step 4: We handle the file & close in 3-4 weeks!

What documents do I need to provide?

Rent roll (if available) OR future rent estimate
Purchase contract (if applicable)
Bank statements (to verify reserves)

Have Questions?  

Speak to a Senior DSCR Loan Consultant Now!

More info on website and case studies will be on transactions page for DSCR

Speak to Consultant Now!

Frequently Asked Question’s

Loan Qualification & Requirements