DSCR Loans: Smart Financing for Investment Properties

DSCR (Debt Service Coverage Ratio) Loans are specialized financing solutions for real estate investors, designed to evaluate a property’s income potential rather than the borrower’s personal income. By focusing on the property’s cash flow, DSCR Loans allow investors to secure funding for rental properties, multi-unit buildings, or commercial investments with streamlined qualification requirements.
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Income-Focused Qualification

DSCR Loans use the property’s net operating income relative to debt obligations to determine loan eligibility, allowing borrowers to qualify based on the investment’s performance rather than personal income. Adam Gjerulff  at GoRascal guides clients in calculating accurate cash flow, analyzing rental income, and presenting properties effectively to lenders. This approach simplifies the qualification process and provides investors with more financing opportunities.
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Flexible Loan Terms

These loans offer a range of term lengths, interest rates, and amortization options, allowing borrowers to select repayment structures that support cash flow management and portfolio growth. Our team helps investors determine the optimal loan terms, balancing monthly payments, interest costs, and long-term financial objectives to ensure sustainable investment strategies.
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Benefits of DSCR Loans

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Qualification based on property income rather than personal income

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Flexible loan terms and repayment options tailored to investment goals

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Strategic support for portfolio growth and risk management

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Streamlined approval process for faster property acquisition
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Strategic Investment Support

DSCR Loans empower investors to acquire, refinance, or expand their property portfolios with confidence. By focusing on the property’s income-generating potential, investors can maximize leverage and make strategic financial decisions. Adam Gjerulff  at GoRascal provides guidance on property selection, loan structuring, and financial modeling, ensuring each investment aligns with your broader goals and risk management strategies.
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Why Choose GoRascal

At GoRascal, led by Adam Gjerulff, we are committed to helping clients in Virginia, Maryland, and Florida achieve their homeownership and investment goals with confidence. Our team provides personalized mortgage solutions, expert guidance, and a transparent loan process tailored to each client’s unique financial situation. Whether you are a first-time homebuyer, seasoned investor, or looking to leverage your home equity, GoRascal ensures you have the right loan program, competitive rates, and ongoing support from application to closing.

We are known for

Personalized Solutions: Tailored loan programs that fit your specific needs and goals

Expert Guidance: Experienced team providing clear, actionable advice at every step

Fast and Efficient Process: Streamlined approvals and funding to save time and reduce stress

Trusted Partner: Commitment to transparency, integrity, and long-term client relationships

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Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

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"FAQs"

GoRascal, led by Adam Gjerulff, provides a wide range of loan programs including Conventional Loans, VA Loans, FHA Loans, Non-QM Loans, Bridge Loans, Buy Before You Sell Programs, Jumbo Loans, Investment Property Loans, HELOCs, Fix & Flip Loans, Construction Loans, DSCR Loans, and Reverse Mortgages. We serve clients in Virginia, Maryland, and Florida, providing personalized guidance to help you find the right financing solution for your needs.

Choosing the right loan depends on your financial situation, goals, and the type of property you are financing. Our team at GoRascal evaluates your income, credit, property type, and long-term objectives to recommend the most suitable loan program. We guide you through every step to ensure you make an informed decision.

Yes. We offer pre-approval for most of our loan programs, which helps you understand your budget, strengthens your offer when buying a home, and speeds up the financing process. Pre-approval involves a review of your financial documents and credit profile to determine the amount you can borrow.

GoRascal is licensed and serves clients in Virginia (VA), Maryland (MD), and Florida (FL). Our team provides personalized loan solutions across these states, whether you are purchasing a home, refinancing, or investing in property.

The timeline varies depending on the loan program and property type. Conventional and FHA loans may take a few weeks, while specialized loans like Fix & Flip, Construction, or DSCR Loans can take longer due to documentation and underwriting requirements. At GoRascal, we streamline the process, keep you informed at every step, and work efficiently to close your loan as quickly as possible.

Streamlined Process for Investors

DSCR Loans are designed for efficiency, with simplified documentation requirements compared to traditional financing. This allows investors to close deals faster and capitalize on market opportunities. Our team manages lender communication, prepares accurate documentation, and ensures the process runs smoothly from application to closing. With Adam Gjerulff  at GoRascal, investors gain access to financing that supports growth while minimizing delays and complications.