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Debt Service Coverage Ratio (DSCR) Loans For…


Snag a Second (Investment) Home

Generate income with help from a DSCR mortgage loan. They're great options for those looking to invest in a property that won't be used as a primary residence. A debt service coverage ratio loan can only be used to purchase a rental property for business purposes, making it a great portfolio diversification tool. DSCR loans can be tricky to navigate, so let Team Parker be your guide. We'll take you from pre-approval clear to close.

What Is a DSCR Loan?

A debt service coverage ratio loan is a mortgage loan for a residential property that will produce income – you're buying the property intending to rent it out. DSCR loans are great options for both experienced and novice real estate investors because they don’t rely on personal finances. Approval is based on the potential generated income of the property. Interested in learning more? Let's chat.


Team Parker Perks

  • No prepayment penalties
  • Only 20% down on 2-4 unit properties
  • An allowable ratio of 1.01
  • Rate, term, or cash-out refinance options

Our DSCR loan program comes with perks! Wealth Builders Mortgage Group operates under Movement Mortgage, so we have total loan control.

No lengthy, confusing processes here – just straightforward debt service coverage ratio loans that we fund at closing, helping you easily tap into another source of wealth-building income.

Look Forward To

Less Documentation

Less Documentation

Invest with less paperwork. As DSCRs are not dependent on personal income, fewer documents need to be reviewed – which also means shorter closing timelines.

Multiple Properties

Multiple Properties

Because financing is based on the property itself, not a buyer’s finances, it’s possible to buy multiple properties at once. Build wealth that much faster!

More Options

More Options

Go beyond single-family and 2-4 unit properties – these loans often cover mixed-use properties and larger apartment buildings, giving you more diverse options.


DSCR Loan Requirements

A DSCR loan is as unique as the person applying – no one understands that better than Team Parker, as we're highly experienced in this specialty loan product. Because funding is determined on a case-by-case basis, we encourage you to schedule a consultation.

We'll review everything you need to know about these loans, go over your specific situation and potential investment opportunities, and help you find the best way forward.


A Fast Path to Funding

  • Consultation – As these are specialty loan products, the first and most crucial step is discussing your opportunity with Team Parker. From there, we'll get you pre-approved or develop an actionable plan to help you get there.
  • Approval – Once approved, we'll issue you a pre-approval letter. Now you can hit the market and browse for your perfect property.
  • Funding – You've found your place and are under contract. It's time to lock in your rates, complete paperwork, and get you funded.

Our streamlined approach takes you from consultation through to closing in a matter of weeks. Many clients come back for DSCR funding time and time again, and you can, too!

More About Us

In Their Own Words

What’s it like working with someone who will always go to bat for you, someone who has closed over $900M in transactions? Hear directly from those who have partnered with Team Parker to scale their real estate portfolio.

I appreciate the communication and timely action on everything along the way. I also like how easy it is to get in touch with someone when I needed to.


Marty W




Coast-to-Coast Loan Coverage

We partner with investors and homebuyers all across the country. While based in Tennessee, Wealth Builders Mortgage Group is licensed in 35 states, and because we never give less than 100%, we’re going for all 50.

States We Currently Serve
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More Loans to Explore

Not sure if a DSCR loan suits your goals? Team Parker offers several other financing options to explore because it’s your wealth; build it your way.


Build Wealth Through Real Estate

You deserve more than a loan officer – you deserve an experienced fellow investor and a dedicated support team ready to share their expertise with you. Start or diversify your portfolio by partnering with Wealth Builders Mortgage Group today.


Parker: AL-72467, AZ-1030450, AR-129202, CA-DFPI1460526,CO-100528795,

CT-LO-1460526, FL-LO63821, GA-51176, IN-62929,IL-031.0076713, KS- LO.0050131, KY-MC794330, LA, ME, MI-1460526,MN-MLO-1460526, MO- 1460526, MS-1460526, MT-1460526, NC-I-169571, NH, NM, OH-OH.1460526,

OK-MLO27083, OR, PA-97935, SC-MLO-1460526,TN-128519, TX, VA-MLO- 63293VA, VT-MLO-1460526, WA-MLO-1460526,WI-1460526,

WV-LO-1460526, WY-103845, Rob: AL-88413, AR-130197,FL-LO116399, IL-031.0082408, IN- 60854, OH-MLO-OH.2024247,TN-232291, Casey: KY-MC795656, TN-2101818 |

Movement Mortgage LLC.All rights reserved.NMLS ID #39179 (For licensing information, goto: Additional information available at Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.