DSCR Loans for
Missouri Real Estate Investors
The No-Doc Loan for Your Rental Portfolio. Qualify with Property Cash Flow.
See your options for purchase, cash-out, or refinance. No hard credit pull to start.
Get Your
DSCR Loan Quote
What is Your Investment Goal?
We have a DSCR program for every type of investor.
Fund Your Next
Rental Investment Property in Missouri with a DSCR Loan
- Purchase Single and Multi-Unit Investment Properties
- Close in your LLC (No Income Verification Required)
- Finance Short-Term Rentals (STR) and Airbnb Properties
- Accelerate Your Real Estate Portfolio Growth
- Streamlined Closing Process for Speed & Certainty
Access Capital
With Missouri's Best DSCR Cash-Out Refinance Lender
- Maximize Cash Flow by Tapping Into Your “Trapped” Equity
- Fund Property Renovations and Value-Adds
- Secure Down Payments for Portfolio Expansion
- Consolidate High-Interest Investment Debt
- Qualification Based on Property Cash Flow Only
Refinance
Rental Debt In Missouri with a DSCR Refinance Loan
- Lower Your Monthly Payment
- Secure a Lower Interest Rate
- Adjust Your Loan Term
- Pay Off High-Interest Money Loans
- Benefit from a Simple, Streamlined DSCR Process
Our Recently Funded DSCR Loans in Missouri
Lauderdale-by-the-Sea, Forida
$840,000
DSCR Cash-Out Refinance Loan
This substantial $840,000 DSCR loan in Lauderdale-by-the-Sea enabled the client to successfully exit a high-interest hard money loan. The cash received was immediately put toward maximizing returns on this premium short-term rental property.
$168,750
DSCR Cash-Out Refinance Loan
Huntsville, Alabama
This successful DSCR Cash-Out Refinance in Huntsville, AL, strategically unlocked $168,750 in rental equity. The funds were deployed by the investor to secure their next acquisition without the burden of documenting personal income (DTI).
$214,000
Foreign National DSCR Cash-Out Refinance Loan
Kissimmee, Florida
We structured this DSCR Cash-loan in Kissimmee specifically for a Foreign National investor. After covering the existing mortgage, the borrower received $125,000 in liquid capital, illustrating a seamless way for global clients to access US property equity.
Your Path to Rental Property Financing in Missouri
3 Simple Steps
Request Your Quote
Fill out a brief form to receive a preliminary term sheet
Lender Review
We verify the rental's cash flow (DSCR) and handle the appraisal
Receive Your Funds
E-Sign your documents, close the loan, and secure your investment capital
Missouri DSCR Loan: FAQs
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is a modern financing tool designed specifically for real estate investors. It allows you to qualify for a mortgage using the income potential of the property itself, rather than relying on your personal W-2 income or tax returns. The central qualifying metric is the ratio showing that the property’s rental revenue can comfortably cover its debt obligations.
How is DSCR calculated?
The DSCR calculation determines how well the property’s revenue covers the monthly debt service. It is determined by taking the Gross Monthly Rental Income (based on a certified rent survey or existing lease) and dividing it by the total monthly expenses associated with the new mortgage.
DSCR = Gross Monthly Rental Income ÷ Total Monthly Debt Service + HOA (If applicable, HOA fees are not common for most investment properties)
Gross Monthly Rental Income: This is usually based on a professional appraisal’s fair market rent analysis (or the current lease agreement, if applicable).
Total Monthly Debt Service: This includes the Principal and Interest (P&I) payment on the new loan, plus Taxes (T), Insurance (I), and Homeowners Association (HOA) fees.
What is the minimum credit score for a DSCR loan?
The lowest permissible credit score for entry into our DSCR program is 660. We advise investors that while 660 meets the minimum threshold, securing the most advantageous terms—including the lowest rates and highest Loan-to-Value (LTV) ratios—will require a higher FICO score.
See below for a breakdown of our credit score requirements and maximum LTV limits:
• 660 FICO: Up to 70% LTV
• 680 FICO: Up to 75% LTV
• 680 FICO (Rate & Term Refinance): Up to 80% LTV
• 740+ FICO (Cash-Out Refinance): Up to 85% LTV (Property value must be $140,000 or higher)
Contact our team today for a personalized quote with exact numbers tailored to your specific situation.
What property types are eligible?
Our financing covers a wide scope of residential investment property types. We regularly finance Single-Family Homes, 2–4 Unit Multi-Family Buildings, Condominiums, and Townhouses. Furthermore, subject to specific program guidelines, we can often facilitate financing for 5–8 Unit Multi-Family buildings, Condotels, and certain Mixed-Use properties. Eligibility is strictly for non-owner-occupied investments.
What is the difference between a DSCR loan and a conventional loan?
The fundamental distinction between a DSCR loan and a conventional loan lies in the method of borrower qualification.
Qualification Basis: DSCR is primarily based on the property’s cash flow (its rental income), while a Conventional Loan is primarily based on the borrower’s personal income (W-2s, pay stubs, tax returns) and Debt-to-Income (DTI) ratio.
Property Type: DSCR is exclusively for investment properties (non-owner occupied). Conventional Loans are primarily for owner-occupied homes, though they can be used for a limited number of investment properties.
Documentation: DSCR requires less personal documentation. Conventional Loans require extensive personal documentation to verify income, employment, and liabilities.
Speed/Flexibility: DSCR generally offers a faster closing process and more flexible lending guidelines. Conventional Loans are governed by strict Fannie Mae/Freddie Mac guidelines.
The DSCR loan is designed to streamline financing for experienced investors. A conventional loan is the standard option for purchasing a primary residence.
Ready to Grow Your Portfolio with a DSCR Loan in Missouri?
Talk to a PRM Capital DSCR specialist today.