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Get a DSCR Loan in Alabama
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Why go with us?
Use the rental income, not your personal income — land that Alabama duplex, then line up the next.
Tailored DSCR application for Alabamians
We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.
Use DSCR to get cash out
If there’s a lease, there’s likely equity — from Birmingham to Mobile, that means buying again or renovating to lift the rent.
Get clarity faster
Clear terms, fast turnaround — ideal when you're trying to close in Huntsville or bid on a Montgomery duplex this week.
Fast, stress-free closing
From Tuscaloosa to the Heart of Dixie, your Loan Guide and Tracker keep things moving — no guesswork, no chasing.
Tailored DSCR application for Alabamians
We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.
Use DSCR to get cash out
Get clarity faster
Fast, stress-free closing
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Pump your AL portfolio
There’s no limit to the number of properties you can own — your income won’t restrict you
- Minimum 20% down payment
- Credit score of 640 and up
- Long and short term ok
- You can only grow your portfolio so much using personal income. So why not spread your wings and get into the world of DSCR?
- Conventional loans rely on your personal income to support loan payments — so after a couple of properties, you max out your ability to borrow.
- DSCR stands for Debt Service Coverage Ratio. The R is the ratio of the property’s gross rental income/debt. Debt includes principal + interest + tax + HOI. The higher the ratio the lower the interest rate.
- While DSCR loans have advantages, rates are slightly higher so if you’re not maxed with other properties, a conventional loan may be better. We’ll help you decide.
