Smart Capital for Real Estate Investors
DSCR loans designed for investors. Qualify based on rental income, not your personal finances. Scale your portfolio without income caps.
About USA Mortgages
Smart Financing Solutions for Real Estate Investors
USA Mortgages provides smart financing solutions for real estate investors across the United States. We offer DSCR loans and other flexible financing options—focused on property cash flow, not traditional income hurdles.
┃ "Our mission is simple: Deliver smart capital that helps investors build long-term wealth."
Our Loan Products
Financing Solutions for Every Investment Strategy
Whether you're flipping properties, building a rental portfolio, or scaling your investments, we have the right loan product for your needs.
Fix & Flip
Bridge Loans
Loan Amount
Min: $50,000
Max: $3,000,000
Term Length
12 months, up to 18 at lender discretion
Max LTC
Up to 90% of purchase price
Up to 100% of rehab costs
Max Loan to ARV
Up to 75%
FICO
620 Min
Loans < 680 FICO are subject to stricter underwriting guidelines and additional IR
Experience
All levels considered (leverage based on experience)
Single Property Rental
Term Loans
Loan Amount
Min: $75,000
Max: $2,000,000
Property Types
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Term Length
30 Years
Various Prepay Penalty Options
Loan Types
Fixed rate and Adjustable rate options available
Partial IO and Fully Amortizing options available
Max LTC
If owned < 3 months, 80% of Total Cost Basis
Max Loan to ARV
Up to 80% on Purchase, Rate & Term Refinance
Up to 75% on Cash Out
Experience
Not Required
FICO
660 Minimum
Recourse
Full Recourse only
Lease Requirements
Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
Unleased Units: 100% of market rent on purchase. On a refinance, 1 unit of a 2-4 unit can be vacant
Rental Portfolios
Term Loans
Loan Amount
Min: $72,000
Max: $2,000,000
Property Types
Non-Owner Occupied
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Term Length
30 Years
Various Prepay Penalty Options
Loan Types
Fixed rate and Adjustable rate options available
Partial IO and Fully Amortizing options available
Max LTC
If owned < 3 months, 80% of Total Cost Basis
Max Loan to ARV
Up to 80% on Purchase, Rate & Term Refinance
Up to 75% on Cash Out
FICO
660 Minimum
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Non Recourse options available with Bad-Boy Carveouts
Lease Requirements
Minimum Occupancy Rate of 100% by Unit Count
Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
Unleased Units: 100% of Market Rent (Purchase Loans only)
Not sure which product is right for you? Our team can help you find the perfect fit.
What is a DSCR Loan?
Qualify Based on Rental Income, Not W-2s
A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on the rental income of the property, rather than W-2s, tax returns, or personal debt-to-income ratios.
How It Works
Fast. Simple. Investor-Focused.
Our streamlined process gets you from application to closing quickly and efficiently.
Lending Locations
Nationwide Coverage
We provide DSCR loans across most of the United States. Hover over the map to see availability in your state.
Currently not lending in: Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, Vermont
Partner Program
Refer Investors. Get Rewarded.
The USA Mortgages Partner Program allows professionals to earn by referring real estate investors seeking DSCR and investment property loans.
You refer the client. We handle the financing.
Who Can Join
How It Works
Apply Now:
Complete the form below to apply. Our team will review your application and contact you shortly.
Program subject to approval and compliance guidelines.
Contact Us
We're Here to Help
Have questions about DSCR loans or our lending process? Our team of investment loan specialists is ready to assist you.
Get Started
Get a Quote Today
Ready to scale your real estate portfolio? Fill out the form and our team will contact you to discuss your financing options.
USA Mortgages provides smart financing solutions for real estate investors across the United States. DSCR loans and flexible financing options focused on property cash flow.
© 2026 USA Mortgages. All rights reserved.