CHARLOTTE MORTGAGE EXPERTS

Here at On Point Home Loans, you don’t just get a mortgage- you get a trusted partner dedicated to helping you achieve your homeownership dreams with confidence. We are local mortgage brokers with nationwide access to 150+ lenders and 40+ loan programs, ensuring you get the best possible rate and terms for your mortgage. Instead of spending hours shopping banks, we do the heavy lifting—saving you time, stress, and money. We would love to chat and earn your business!

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What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a real estate investment loan that focuses on your property’s income potential rather than your personal income or tax returns. Designed for investors in Charlotte, NC, DSCR loans help you qualify based on how much rental income the property generates compared to the total debt obligations.

Lenders calculate the DSCR by dividing your property’s net operating income (NOI) by the annual loan payments. A ratio of 1.0 or higher typically indicates that the property earns enough to cover its mortgage, insurance, and taxes.

This makes DSCR loans ideal for:

Real estate investors with multiple properties
Borrowers who write off business income or are self-employed
Buyers expanding their Charlotte rental portfolio
Investors seeking fast, documentation-light approvals

With On Point Home Loans, Charlotte investors gain access to competitive rates, local underwriting, and streamlined funding for both short- and long-term rental properties.

How DSCR Loans Work in Charlotte, NC

DSCR loans are structured to prioritize property performance over personal financial history. Here’s how the process typically works for Charlotte investors:

Property Evaluation – The lender reviews the property’s projected or actual rental income to determine eligibility.
DSCR Calculation – The property’s net operating income (NOI) is divided by annual debt obligations to find the DSCR ratio.
Minimum Ratio Requirement – Most Charlotte lenders prefer a DSCR of 1.0–1.25, ensuring the property generates enough cash flow to service the loan.
Loan Terms and Rates – Borrowers can choose from fixed or adjustable rates, typically available for purchase, refinance, or cash-out options.
Fast Approval – Since no personal income documentation is required, DSCR loans close faster than traditional mortgage types.

Because On Point Home Loans is based in Charlotte, NC, our loan experts understand local rental market trends, property values, and zoning considerations—giving investors a competitive edge when building passive income portfolios.

Is a DSCR Loan Right for You?

A DSCR loan may be the right fit if you’re focused on building long-term real estate wealth and prefer income-based qualification instead of relying on tax returns or W-2s. This program is ideal for:

Full-time real estate investors who own or plan to expand rental portfolios in Charlotte or nearby North Carolina markets.
Self-employed borrowers or those with complex financials who prefer no-income-verification options.
Buyers targeting cash-flowing properties, such as single-family rentals, duplexes, or short-term vacation homes.
Investors seeking scalable financing, with the ability to fund multiple properties under one lending strategy.
Borrowers prioritizing speed, since DSCR loans often fund faster than conventional mortgages.

If your goal is to grow or refinance your Charlotte rental portfolio with flexible, documentation-light funding, a DSCR loan could be your best next move.

You May Be a Great Fit for a DSCR Loan If You

Own or Plan to Buy Investment Properties in North Carolina

You’re purchasing or refinancing rental properties in Charlotte or nearby markets and want financing that focuses on property cash flow, not personal income.

Prefer Income-Driven Qualification Instead of Tax Returns

You want a DSCR mortgage that evaluates loan eligibility based on the property’s rental income and debt service coverage ratio rather than W-2s or pay stubs.

Operate Multiple Investment Properties

You manage several rental homes or multi-unit buildings and need a real estate investor loan that allows portfolio growth without strict income documentation.

Aim to Maximize Cash Flow and Leverage

You’re focused on using DSCR financing to expand your rental portfolio, improve returns, and scale faster in Charlotte’s competitive real estate market.

Have Solid Property Management and Rental Income History

You maintain well-performing properties with consistent rental payments—strengthening your DSCR ratio and loan approval potential.

Want Fast, Flexible Funding from a Local Charlotte Lender

You prefer a lender like On Point Home Loans that understands Charlotte’s investment trends, offers quick approvals, and tailors DSCR loans to real estate investors.

Explore how the numbers add up.

Use our online resources below and explore more.

What our clients say

"Rebecca helped me with my first mortgage. The was a big step for me and Rebecca made me feel confident with choosing her to help with my loan. She was extremely helpful and quick to respond with any questions I had. I would 100% recommend working with Rebecca to anyone. She is also very professional and down to earth at the same time with her communication. 10/10 would work with again!"

Levi worked with us for over of year giving us all the information we needed for our first home. He made it all seem easy even though we weren’t. Can’t thank him enough.

"David and the On Point team are absolutely amazing! I thought for sure that the loan process would be the most inconvenient part of our home buying process, but thanks to On Point Home Loans, it was the easiest part! There were so many times I called David with questions or to ease my concerns, and he was there for me each time. David is so knowledgeable and it was truly a pleasure working with him. I knew that he had our best interest at heart and we’re very grateful for all of the hard work that David & the On Point team put in to make this process as smooth as possible for us! Thank you!"

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