What Is a DSCR Loan? Formula, Requirements and Examples
The debt service coverage ratio (DSCR) is net operating income divided by annual debt service, and a DSCR loan uses it to qualify investors on the property’s income instead of personal income. See the formula, a worked 1.45x example, ways to improve coverage, and CR Equity AI’s DSCR terms: 1.00x floor, no tax returns, and a typical close in 9–15 days.
Portfolio Loan vs Individual DSCR Loans — Which Wins?
Stack individual DSCR loans or consolidate into one blanket loan? We break down costs, rates, and risk side by side so you can pick the right structure for your portfolio.
What Is a Blanket Mortgage? Guide for Investors
A blanket mortgage is a single loan that uses multiple properties as collateral — one payment, one lender, one closing. This guide explains how blanket mortgages work, who they’re for, and what investors
need to know about release clauses, cross-collateralization, and 2026 requirements.
Fix and Flip Loan Guide: How Leverage, ARV and Fees Really Work
A plain-English guide to how a fix and flip loan is sized on cost and after-repair value, what it costs, how rehab draws work and how fast it can close.
$925,000 DSCR Multifamily Refinance in Washington, DC Closed in 19 Days
Crequity.ai funded a $925,000 30-year DSCR rate and term refinance for a 15+ unit multifamily property in Washington, DC. The transaction featured an 80% acquisition DSCR and closed in just 19 days.