Specialty · For Investors
DSCR Loans in New Jersey
A DSCR loan qualifies on the property's rental income rather than your personal tax returns — so real estate investors can finance deals based on cash flow, with no cap on the number of properties they own.
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DSCR at a glance
The loan that thinks like an investor
DSCR is a non-agency (Non-QM) product for investment properties. Ratios, down payments, and reserves are set by the lender and change periodically — confirm with Bond Street.
Why investors use it
Built for cash-flow buyers
No personal income docs
Skip the tax returns and DTI math — the property's rent versus its payment (the DSCR ratio) drives approval.
Scale without limits
Conventional financing caps how many properties you can finance; DSCR doesn't, so portfolios can keep growing.
Strong fit for NJ multi-family
The dense rental demand in Passaic, Hudson, and Essex makes cash-flowing 2–4 unit properties a natural DSCR play.
Entity-friendly
Many DSCR lenders allow closing in an LLC, helping investors keep holdings organized and separate.
477 Properties for Sale
- 1/34 34
16 Beds 15 Baths$1,999,000Open Sun 1PM-3PM - 1/34 34
4 Beds 3 Baths$1,700,000Open Sat 1PM-3PM - 1/40 40
8 Beds 5 Baths$1,499,000Open Sat 12PM-2:30PM - 1/23 23
3 Beds 3 Baths$799,000Open Sun 1PM-3PM - 1/48 48
9 Beds 6 Baths$1,895,000Open Sat 12PM-2PM - 1/15 15
7 Beds 4 Baths$1,375,000Open Sat 1PM-3PM - 1/46 46
4 Beds 3 Baths$999,000Open Sat 1PM-3PM - 1/50 50
7 Beds 3 Baths$950,000Open Sat 9AM-10AM - 1/46 46
4 Beds 2 Baths$899,000Open Sat 11AM-1PM - 1/31 31
7 Beds 3 Baths$849,000Open Sun 1:30PM-2:30PM - 1/41 41
4 Beds 2 Baths$749,000Open Sat 2PM-4PM - 1/36 36
4 Beds 2.5 Baths$739,000Open Sat 12PM-2PM - 1/34 34
5 Beds 2.5 Baths$679,000Open Sat 12PM-2PM - 1/34 34
7 Beds 4 Baths$580,000Open Sun 1PM-3PM - 1/45 45
5 Beds 3 Baths$835,000Open Sat 1PM-3PM - 1/43 43
4 Beds 3 Baths$799,000Open Sat 1PM-3PM - 1/45 45
7 Beds 3 Baths$749,000Open Sat 1PM-3PM - 1/44 44
6 Beds 2.5 Baths$899,000Open Fri 5PM-7PM - 1/50 50
4 Beds 2 Baths$799,000Open Sat 2PM-4PM - 1/50 50
6 Beds 5 Baths$899,999Open Sat 1PM-4PM - 1/45 45
6 Beds 4 Baths$948,000Open Sun 12PM-2PM - 1/21 21
7 Beds 3 Baths$725,000Open Sat 10AM-12PM - 1/48 48
6 Beds 4.5 Baths$2,049,000Open Fri 6PM-8PM - 1/31 31
5 Beds 3 Baths$989,000Open Sun 12PM-1PM
How it works
What lenders look at
- The debt-service coverage ratio — the property's rental income divided by its full monthly payment (principal, interest, taxes, insurance, and any association dues)
- Many lenders look for a ratio at or above 1.0, meaning the rent at least covers the payment; some allow lower with adjustments
- For investment (non-owner-occupied) properties — 1–4 units and many condos, sometimes short-term rentals
- Down payment typically 20–25%, plus cash reserves
- Credit-driven pricing; personal income and tax returns generally aren't required
Common questions
DSCR loan FAQs
What is a DSCR, exactly?
It's the debt-service coverage ratio — the property's rental income divided by its total monthly payment. A ratio of 1.0 means the rent exactly covers the payment; higher is stronger. Lenders use it in place of your personal income.
Do I need to show my tax returns or job income?
Generally no. DSCR loans qualify on the property's cash flow, so personal income documentation and traditional DTI aren't typically part of the file — which is why they suit self-employed and portfolio investors.
How many properties can I finance?
There's no set cap, unlike conventional financing — a key reason investors use DSCR to scale a portfolio.
Can I close in an LLC?
Often yes — many DSCR lenders allow vesting in an entity. Start a conversation and we'll confirm what Bond Street offers.
Our trusted lending partner
Bond Street Mortgage
We work hand-in-hand with Bond Street Mortgage, serving Bergen, Passaic, Morris, Hudson, and Essex counties. Their team coordinates with us from pre-approval through closing.
Talk to the team
Finance your next investment
Reach out and we'll connect you with the right loan path and a pre-approval that holds weight in a competitive market.
RE/MAX Select — Chopper Russo Team. Thomas "Chopper" Russo, 392 Ramapo Valley Rd, Oakland, NJ 07436. Not a commitment to lend. Loan products, ratios, rates, reserves, and approval are provided by Bond Street Mortgage subject to its terms and qualification.