DSCR Lenders in New Mexico
5 verified DSCR lenders serving New Mexico real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
Austin, TX
Austin-area DSCR lender for Texas real estate investors. Bridge loans, fix and flip financing, and rental portfolio products. Fast closings.
Phoenix, AZ
Phoenix DSCR lender serving Arizona, New Mexico, and Nevada investors. Bridge and fix-and-flip products. Fast closings in 15 days.
Colorado Springs, CO
Colorado Springs DSCR lender for Colorado investors. Multifamily and single-family rental portfolio financing. Competitive rates.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
DSCR Loans in New Mexico — FAQ
What is a DSCR loan and how does it work in New Mexico?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in New Mexico typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in New Mexico?
Most New Mexico DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in New Mexico?
Typical DSCR loans in New Mexico require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in New Mexico?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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