DSCR Loans Explained for Real Estate Investors | Pros, Cons & Tips with top performing mortgage broker.

Welcome back to The Philly Landlord Guy Podcast! In this episode, I’m joined by Leon Belov, owner and loan officer at The Lending Group in Southampton, PA, to dive deep into DSCR (Debt Service Coverage Ratio) loans — one of the most powerful financing tools for real estate investors.

We cover everything you need to know about how DSCR loans work, when to use them over conventional financing, and how they can be a game changer for landlords — especially those holding properties in an LLC.

In This Episode, We Discuss:

• What a DSCR loan is and how it’s calculated

• Pros and cons compared to conventional loans

• Typical down payment and reserve requirements

• How rental appraisals can impact loan approval

• The truth about interest rates and prepayment penalties

• Financing for properties held in an LLC or corporation

• DSCR loans for international investors and foreign nationals

• What “livable condition” means for loan approval

• Using DSCR loans alongside fix-and-flip or renovation financing

• Why you might want a separate LLC for each property for liability protection

• Key advice for first-time DSCR borrowers

Leon also shares practical tips on:

-Navigating discrepancies between agent rental estimates and appraiser comps

-The underwriting process and required documentation

-Using business bank statements if you’re self-employed

-Creative financing strategies in competitive markets


Contact Leon Belov – The Lending Group
Phone/Text: 267-309-2700
Serving: Pennsylvania, Philadelphia, and New Jersey
Specializing in: DSCR Loans, Conventional Loans, and Investor Financing

This episode is brought to you by TrustArt Realty, your full-service property management partner in Philadelphia. Whether you’re just getting started or scaling your portfolio, TrustArt helps you stay compliant, efficient, and profitable.

Apply for our Jumpstart Northeast Philly Program — built to help new developers learn how to find, finance, fix, rent, or flip property in our neighborhoods. Apply here: https://trustartrealty.com/jumpstart-ne-philly

Get a FREE Property Management Evaluation: Click here to fill out the form [e-mail]

267-929-1500

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