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Deliver Flexible DSCR Loan Solutions to Your Investor Clients
Our Debt Service Coverage Ratio (DSCR) Loan Program is designed to simplify the financing process for your clients, allowing them to expand their investment portfolios easily. By leveraging the income generated from rental properties, borrowers can qualify without verifying personal income.
Maximum 85% LTV
Purchase
Up to $5M
Loan Amounts
600 Minimum FICO
Required
Ideal Borrowers
A borrower like Johanna, an experienced real estate investor seeking to expand her rental portfolio. However, traditional loans complicated the process, making a simple deal a hurdle. For investors like Johanna, conventional loans can complicate simple deals. At PCG Commercial, we prioritize what matters most for real estate investors — the property’s rental performance.
The DSCR Loan Program is an excellent solution for:
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Real Estate Investors: Borrowers looking to expand their investment portfolio without relying on personal income documentation.
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New Investors: Those entering the market who prefer a cash-flow-based qualification.
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Seasoned Investors: Clients seeking to refinance or cash-out for additional property acquisitions.
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Self-Employed Borrowers: Individuals with complex income structures who want a simpler qualification process.
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Portfolio Owners: Investors managing multiple properties looking for a streamlined way to access equity or finance new investments.
Program Highlights
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LTV up to 85% for Purchase
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LTV up to 80% Rate/Term Refinance
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LTV up to 75% for Cash-out Refinance
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Minimum 600 FICO
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Loan amounts up to $5M
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Non-Owner Occupied ONLY
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No Income Verification – must leave blank on URLA
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No Job Verification
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No Reserve Options
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No Prepay Options available
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First Time Investors allowed
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30YR I/O terms available (Fixed or ARM)
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Qualify on Interest Only Payment for DSCR calculation
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SFR, 2-4 Units, Condos (and Non-Warrantable), PUD, and Rural Properties
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Ability to lend to LLCs, Corporations, Trusts, Foreign Nationals, ITIN and Non-Permanent Resident Aliens
Why Partner with PCG?
At PCG, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Conforming, Government, Non-QM, Investment and Private Money market, we are here to help you close more deals faster.
Are You Ready to Invest?
Help your clients achieve their investment goals with PCG Commercial's DSCR Loan Program. Our innovative solutions, expert support, and tech-driven platform make it easier than ever to secure financing tailored to their needs.
Call us today at 954.214.2240 to learn more or start your application!
Meet Our Full Lineup of Loan Programs
Pineyro Capital Group Inc. | NMLS #420112 offers a complete range of Residential and Commercial mortgage loan programs designed to help Realtors, Brokers, and Investors close more deals — faster and with confidence.
Explore financing solutions for homebuyers, real estate investors, business owners, and commercial projects all in one place.
Your clients. Your deals. We make financing easier.
Business Purpose Loan Programs
PCG Commercial’s Business Purpose financing solutions are designed to support real estate investors and entrepreneurs with flexible loan options. Whether it’s funding for property acquisitions, renovations, or refinancing, our streamlined approach ensures quick approvals and minimal documentation. Help your clients seize opportunities and grow their portfolios with financing built for their business goals.
Originate License-Free: Business Purpose Programs in States Without Licensing Requirements
Many states do not have licensing requirements, so you’re free to originate Business Purpose Programs in the following states without an active NMLS license:
Join our Hassle-Free SELLMoneyMAKEMoney™ Partner Program
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Originate in 40+ states license-free
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Qualify self-employed investors – NO tax returns
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Purchase, Rate-&-Term, or Cash-Out
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Fast 4-hour loan decisions
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Earn commissions on every closed deal
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You Refer. We Fund. You Get PAID!
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Consumer Purpose Loan Programs in Florida
Pineyro Capital Group Inc. — NMLS #420112 Residential Division — offers a full suite of Consumer Purpose home financing solutions designed for individuals purchasing or refinancing a primary residence or second home. Our simplified process delivers fast approvals, flexible options, and competitive pricing to support a smooth, stress-free lending experience.
Empower your clients to achieve their homeownership goals with confidence — we make the financing straightforward, efficient, and reliable.
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Pineyro Capital Group Inc., State of Florida Company NMLS# 420112; NMLSConsumerAccess.org. Equal Housing Lender. Licensed in Florida. For additional information please visit EveryLoanOption.com
© 2025 Helping Realtors Succeed, PCG Commercial, Pineyro Capital Group Inc. All rights reserved. Residential Originations provided by Pineyro Capital Group Inc. Commercial Loan Originations provided by PCG Commercial Division.