Locate A Branch
(215) 501-4159
Investment and Property Loans
Smarter financing for investors, business owners & entrepreneurs
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan lets you qualify based on your property's cash flow—not just your personal income. Perfect for landlords, investors, and self-employed borrowers. If your rental income covers the mortgage, you’re in business!
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No personal income documentation needed
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Great for LLCs, partnerships, and individuals
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Fast approvals & flexible terms
Investment & Mixed-Use Properties
We finance a range of properties, including:
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Single-family & multi-family rentals
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Mixed-use (retail + apartments)
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Business/commercial properties
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Short-term rentals (Airbnb, VRBO)
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Office & retail spaces
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Easy, Fast Approval: Qualify with your property’s income
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Flexible Terms: Low down payments & competitive rates
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Expert Team: Specialists in real estate investment lending
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Creative Solutions: We finance what banks often can’t
Why Choose Us?
Frequently Asked Questions
Q: What is the minimum DSCR you require?
A: Most programs require at least 1.0 (break-even), but higher DSCR gets you better terms.
Q: Can I finance in an LLC's name?
A: Yes! We lend to individuals and entities.
Q: Do I need tax returns or W2s?
A: Not for DSCR loans—just property income docs and basic info.
Q: What types of properties can I finance?
A: Single-family, multi-family, mixed-use, commercial, short-term rentals, and more!
What Our Clients Say
“Getting approved with Raksha Mortgage Inc. was a breeze. The team understood what I needed as an investor!”
— J. Lewis, Chicago
“They financed my mixed-use property when my bank said no. I’ll be back for my next project!”
— K. Martinez, Dallas
“Quick, knowledgeable, and friendly. My go-to lender for all my rentals.”
— T. Nguyen, Atlanta
Contact Us
📞 Phone: 215-501-4159
📧 Email: instantloans@rakshamtg.com