Flexible DSCR Loans in Alaska
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What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
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Summary
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What Is a DSCR Loan?
A DSCR loan stands for Debt Service Coverage Ratio loan. It is a type of rental property loan that looks at how much income the property can bring in, instead of focusing on your personal income.
If the rental income is enough to cover the loan payments, you may qualify. There is no need for W-2s, pay stubs, or tax returns.
DSCR = Net Operating Income ÷ Loan Payment
This kind of loan works well for real estate investors, self-employed buyers, and anyone building a rental property portfolio in Alaska.
Alaska DSCR Loan Requirements
DSCR Ratio
1.0 or higher (some lenders accept lower)
Credit Score
Down Payment
Property Types
Top Cities for DSCR Loans in Alaska
Alaska presents a wide range of real estate opportunities. Certain cities prove especially favorable for DSCR loans because of their steady rental demand and strong potential for returns.
Anchorage
Fairbanks
Juneau
Homer
Wasilla
Why DSCR Loans Are Ideal in Alaska
For real estate investors in Alaska, DSCR loans offer a smart and flexible way to finance rental properties. Here’s why they work so well:
Strong Rental Demand
Short-term Rental Income
Flexible for Self-employed Buyers
Faster than Traditional Loans
Faster than traditional loans: DSCR loans let you act quickly in competitive markets, often moving faster than conventional loans that require full income documentation.
Benefits of DSCR Loans
DSCR loans offer several key benefits for Alaska real estate investors who need a no-income verification mortgage and fast rental financing.
Helps self-employed and out-of-state buyers:
Even non-residents may qualify, similar to financing options for buying a house as a non-US resident.
Great for Airbnb, VRBO, and long-term rentals:
No tax returns or W-2s needed:
Faster approvals than traditional loans:
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Properties That Work With DSCR Loans
- Single-family rental homes
- Two- to four-unit multifamily properties
- Short-term vacation rentals listed on Airbnb or VRBO
- Mixed-use buildings with mostly residential space
- Cabins, lodges, and seasonal rentals in tourist-heavy areas
FAQs
What DSCR ratio is needed in Alaska?
Can I buy an Airbnb with a DSCR loan?
Do I need to live in Alaska?
How long does it take to close?
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