DSCR Mortgage Loans in Arizona
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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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Why Arizona Investors Choose DSCR Loans
Arizona’s market often moves quickly. Desirable properties in Phoenix or Scottsdale may get multiple offers within days. DSCR loans allow you to move fast since you do not need to provide W-2s or detailed tax filings. Approval relies on how the property performs, giving you the ability to compete with confident offers and close sooner.
These loans also fit investors who plan to scale. When personal income verification is off the table, growing a rental portfolio becomes easier, even for those who already hold other properties.
What Is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) qualifies you based on a property’s rental income rather than your personal income. Lenders calculate this ratio by dividing net operating income by the loan payment:
DSCR = Net Operating Income ÷ Loan Payment
If rental income fully covers the mortgage payment, you stand a stronger chance of approval. This method works well for self-employed investors or anyone with non-traditional earnings, as it shifts the focus to the property’s cash flow rather than tax documents.
Let’s Start Your Loan Process
- ID Mortgage Broker is here to help you apply for an investment loan in Arizona with speed and confidence.
- Our five-star team specializes in investor-friendly loans throughout Arizona.
- We work efficiently, provide clear communication, and understand the fast-paced nature of this market.
- Pre-qualify now and move forward with your next property investment.
Arizona DSCR Loan Requirements
Here are the typical Arizona DSCR loan requirements:
DCSR ratio:
Lenders usually expect a DSCR of at least 1.0, showing the property’s income fully pays the loan. Some may approve lower ratios if the rest of the application is solid.
Down payment
Most DSCR programs require a down payment between 20 and 25 percent. Contributing a higher amount can support stronger approval and better loan terms.
Credit score
Lenders usually require a score of at least 680. A higher score often leads to better loan terms.
Property types
Single-family, 2–4 unit multifamily, short-term rental, and mixed-use (mostly residential).
Have Questions? We Have the Answers!
Please don’t hesitate to contact us. We are a friendly, Los Angeles-based mortgage broker company here for YOU!
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
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On-line
Simply e-mail or use online-chat
Learn More About DSCR Loans in Arizona
Investors choose DSCR loans in Arizona for their flexibility and income potential.
Benefits of DSCR Loans in Arizona
- Qualify with rental property income
- Faster closings
- Simpler paperwork
- Great for out-of-state or portfolio investors
- Supports growth for future rental opportunities
These benefits help Arizona investors stay agile in a market that rewards decisive action.
Other Loan Options If DSCR Does Not Fit
If your property does not meet DSCR guidelines, you still have other paths to consider:
- Bank Statement Loans: use 12–24 months of deposit history
- No-Doc Loans: qualify based on credit, down payment, and property
- Asset-Based Loans: focus on the equity value of the investment
Your mortgage advisor can help match you to the best program for your goals.
Apply Now
Arizona’s real estate market gives investors a chance to expand their portfolios with affordable entry prices and consistent rental demand. A DSCR loan helps you act faster by relying on property income instead of traditional financial paperwork.
If you want to take advantage of opportunities in cities such as Phoenix, Tucson, Scottsdale, and others, now is the time. Apply today for a DSCR loan and begin building a stronger, scalable investment portfolio.
Arizona-Specific FAQs
How quickly can I close on a property with a DSCR loan?
Many DSCR loans close faster than conventional loans. Most transactions are completed within about 30 days, depending on how quickly documents are submitted and the appraisal is finalized.
What if the property’s rental income is not high enough?
A larger down payment or a stronger credit score may help you qualify. You can also consider bank statement loans or no-doc loans as alternatives.
Can I use this loan for a short-term rental?
Yes. DSCR loans are well-suited for vacation rentals in places such as Scottsdale, Phoenix, and Sedona. Be sure the property meets local zoning requirements.
How long does it take to close a DSCR loan in Arizona?
Most DSCR loans close within two to four weeks. Timing depends on how quickly you provide documents and when the appraisal is completed.
Do Arizona lenders require personal income documents for this loan?
No. DSCR loans rely on the property’s rental income. You do not need to submit W-2s, tax returns, or employment records.
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