What is the DSCR loan process?
The DSCR loan process is designed to be efficient, investor-focused, and property-driven, rather than dependent on personal income documentation.
While details vary by structure, the process generally includes:
Initial scenario review to determine structure, leverage, and options
Pricing and terms based on DSCR, LTV, credit, liquidity, and strategy
Formal application and disclosures
Third-party reports, such as appraisal and title
Underwriting review focused on the property and overall deal
Final approval and closing
Because DSCR loans are business-purpose, the process is typically more streamlined than consumer lending, especially for investors with clear objectives and documentation.
How long does a DSCR loan take to close?
Most DSCR loans close in approximately 2 to 4 weeks, depending on the complexity of the transaction and responsiveness during the process.
Closing timelines can be influenced by:
Property type and location
Appraisal turnaround time
Loan structure (purchase, refinance, cash-out)
Entity complexity
Volume of third-party reports
Well-structured deals with clear documentation often move faster. More complex or portfolio-style transactions may take additional time but are still typically quicker than traditional investment-property loans.
What documentation is required?
DSCR loans are designed to minimize personal income documentation, but certain standard documents are required to verify identity, ownership, and the property.
Typical documentation may include:
Government-issued ID and Social Security card
LLC or entity documents, if the property is owned by or being purchased in an entity
Homeowner’s insurance or insurance binder
Lease agreements, if the property is currently rented
Mortgage statements for existing loans
Proof that the mortgage is current, such as recent payment history
Additional property- or transaction-specific documents may be required depending on the loan structure, property type, or whether the transaction is a purchase, refinance, or cash-out refinance.
How do I get started with Investor Mac Capital?
Getting started with Investor Mac Capital LLC begins with a strategy-focused conversation, not a rigid application checklist.
The process typically starts with:
A brief discussion of your investment goals
Review of the property or portfolio
Identification of the optimal DSCR structure
Clear explanation of leverage, pricing, and tradeoffs
From there, we guide you through the next steps based on the strategy that best fits your situation. If a deal doesn’t fit a traditional box, we look for alternative structures rather than defaulting to a decline.
What makes Investor Mac Capital different?
Investor Mac Capital is exclusively focused on DSCR and business-purpose real estate lending. This is not one of many loan products we offer—it is our core specialization.
Because we focus solely on DSCR loans, we bring:
Deep expertise in DSCR structures and underwriting
Experience with non-traditional scenarios, including negative DSCR, vacancy, and complex portfolios
The ability to structure loans using interest-only terms, reserves, and asset-based solutions
A strategy-driven approach instead of rigid guideline quoting
Our specialization leads to results. Investor Mac Capital maintains a 90%+ close rate, meaning transactions that move forward are structured correctly from the beginning.
We don’t try to fit deals into a generic box. We focus on solving capital problems for real estate investors.