Novus Home Mortgage, division of Ixonia Bank (NMLS #423065)

This lender specializes in DSCR (Debt Service Coverage Ratio) loans, providing tailored mortgage solutions for real estate investors and self-employed individuals. They understand the unique financial scenarios of property investors, entrepreneurs, and independent contractors. With expert-level advice and flexible mortgage options, they align financing with your investment goals, whether you're buying a rental property, refinancing, or cashing out on an existing asset. DSCR loans are designed to focus on the property's cash flow rather than personal income, making it easier for investors to secure financing. Trust them to streamline the process and help you build your real estate portfolio with confidence and ease.

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Program Details

  • FAST closing process
  • No income or employment history required
  • Access unlimited cash-out options
  • Down payments starting as low as 15%
  • Interest-only payment options available
  • Eligible for both short-term and long-term rentals
  • No limit on the number of properties financed

DSCR Loans are different animals. 


They have different rules and qualifying criteria.  All of the loan officers listed on this site specialize in Mortgages for DSCR.  They are battle-tested, seasoned, and recommended by your peers. Give them a call!


Do you want a DSCR Loan Specialist to contact you? 


We’ve made it really easy. 


Drop your name and phone number in the form on this page and we’ll let him know you’re looking for them.