Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors to qualify based on property cash flow rather than personal income. This makes them ideal for growing your rental property portfolio in Alabama.
Get up to 80% LTV using projected rental income.
Flexible loan terms to help you remain competitive in Alabama real estate market:
| Minimum Credit Score | 680+ |
| Minimum Loan Amount | $100,000+ |
| Purchase/Refinance | Up to 80% LTV |
| Cash Out Refinance | Up to 75% LTV |
| Interest Rates | Starting at 7% |
| Minimum DSCR | 1.1 |
| Closing Time | 21-30 days |
Get quick answers to common questions.
DSCR loans can be used for 1-4 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.
A minimum credit score of 680 is required.
The minimum loan amount is $100,000.
Yes, new investors are welcome.
The minimum down payment is 20%.
The minimum DSCR requirement is 1.1.
Divide rental income by the sum of property taxes, insurance, principal and interest payments or you can use our DSCR calculator.
A legally registered business is required, along with these documents:
Capital Ton helps investors secure financing for non-owner-occupied properties. Let us help you build your portfolio with tailored DSCR loan options.
Phone
Very honest guy to work with, doesn’t offer unrealistic promises. Actually responsive compared to…
Alabama offers an ideal mix of affordability and profitability for real estate investors. Cities like Huntsville, Birmingham, and Montgomery have strong rental demand and great cash flow opportunities. While “the Cotton State” has many great areas, Capital Ton expertise is in these markets:
Skip the hassle of tax returns and W-2s. Qualify based on rental income instead.
Competitive interest rates that maximize your investment returns.
Close in as little as 21-30 days.
Choose from 30-year fixed rates, 5/1 or 7/1 ARMs, and interest-only options.
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.
