• Nadlan Capital Group - USA Real Estate Financing for Foreign Nationals and Residents

  DSCR Loan Refinance – Required Documentation Checklist

  Posted by Nadlan Group on April 16 at 21:00

  Below is a formal table outlining the typical documents required for a DSCR loan refinance — tailored to the process used at Nadlan Capital Group, where documentation focuses on the property's income-generating ability, not the borrower's personal income or tax returns.

  📄 DSCR Loan Refinance - Required Documentation Checklist

  See Screenshot

  And also see how our loan management system looks like – the borrower uploads the documents to our system, the processing agents approve them before sending to the lender's underwriting team.

  🔍 Notes:

  • No Tax Returns, W2s, or Pay Stubs: Unlike traditional loans, DSCR loans focus on the property's cash flow, not personal income.

  • DSCR Calculation: Usually based on monthly rental income ÷ monthly PITIA (Principal, Interest, Taxes, Insurance, and sometimes HOA).

  • Minimum DSCR: Lenders often require a DSCR of 1.00–1.25 depending on the product.

  

  

  Nadlan Group replied 1 month ago 1 member · 0 Replies

  • DSCR extension
  • Refinance
• 0 Replies

Log In to Reply