Arizona DSCR Loans
EasyRent is our tailored and industry-leading DSCR Loan solution for Arizona real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Arizona DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
ARIZONa Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in The Grand Canyon State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Arizona, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Arizona real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Arizona below:
Single-Family Residence
Tempe, AZ
$502,250 Arizona DSCR Rental Loan for an Acquisition of a rental property in Tempe. This property features an in-ground pool and stylish updates to the kitchen, bathrooms, and interior features. Conveniently located near downtown Tempe and US Route 60, it offers easy access to dining, shopping, and the greater Phoenix area, making it an ideal short-term rental opportunity.
Single-Family Residence
Sedona, AZ
$616,000 Arizona DSCR Rental Loan for an Acquisition of a rental property in Sedona. Located near beautiful hiking trails like Cathedral Rock and Bell Rock, the short-term rental offers a gateway to Sedona’s breathtaking red rock formations and scenic landscapes, perfect for nature lovers and outdoor enthusiasts.
PUD
Flagstaff, AZ
$290,000 Arizona DSCR Rental Loan for an Acquisition of a rental property in Flagstaff. This property is situated near peaceful camping areas, ski resorts, and parks such as the Arboretum and Rogers Lake Nature Area. Upon acquisition, the property will be utilized as a long-term rental.
Condo
Tempe, AZ
$315,000 Arizona DSCR Rental Loan for a Cash-Out Refinance of a rental property in Tempe. Located in the heart of downtown Tempe, this property is currently leased long-term and enjoys entertainment and shopping provided on Mill Avenue just one block away.
Single-Family Residence
Scottsdale, AZ
$1,000,000 Arizona DSCR Rental Loan for an Acquisition of a rental property in Scottsdale. This properties amenities make it a popular short-term rental. Some amenities include, BBQ island, pool, and a front and rear patio.
Single-Family Residence
Tucson, AZ
$312,750 DSCR Rental Loan for an Acquisition of a rental property in Tucson. This home is in eastern Tucson, thirty minutes from the center of the city providing access to metropolitan amenities as well as recreational such as the Saguaro National Park. Upon acquisition this property will be used as a Short-Term Rental.
PUD
Queen Creek, AZ
$736,000 Arizona DSCR Rental Loan for a Cash-Out Refinance of a rental property in Queen Creek. Featuring six bedrooms and four and a half bathrooms the property is in great condition and features stainless steel appliances, a large kitchen island, a pool, a spa, and a four-car garage. This property is roughly thirty minutes southeast of Phoenix, and five minutes north of the San Tan Mountain Regional Park.
Single-Family Residence
Sedona, AZ
Professional Short-Term Rental operators refinance their SFR in a booming Arizona real estate market to lock in a lower rate.
Single Family Rental
Scottsdale, AZ
Prolific investor (38 doors) adds his second short term rental in sunny Scottsdale
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